In consideration of premium already charged, it is hereby understood and agreed the following is added to SECTION VI – EXTENDED REPORTING PERIOD, D:

5. In the event a Named Insured dies, becomes permanently and totally disabled, or retires during the policy period, an Unlimited Extended Reporting Period will be available for an additional premium of $150, provided that within sixty (60) days of the death, permanent and total disability, or retirement:

a. The Named Insured’s estate requests the Unlimited Extended Reporting Period and furnishes written evidence and proof of the date of the Named Insured’s Death;

b. The Named Insured provides evidence and proof of permanent and total disability including the date of the actual disability and written certification by the Named Insured’s attending physician (other than another physician practicing in the same group as the Named Insured). The Named Insured also agrees to submit to any medical examination(s) as required by the Company, by an physician designated by the Company for the purpose of verifying such permanent and total disability; or

c. If at any time after reach age 50, and having been continuously insured by the Company on a Claims-Made basis for a minimum of 3 years, the Named Insured elects to retire from practice.

6. If we non-renew the Named Insured for any reason, other than nonpayment of premium, or the Named Insured, having been continuously insured by us on a Claims-Made basis for a minimum of three (3) years, decides to not renew coverage with us, an Unlimited Extended Reporting Period will be available for an additional premium of $150 provided that within thirty (30) days the Named Insured’s request for the Unlimited Extended Reporting Period is received by us in writing together with payment of the additional premium.