## Degressivity

**DIGRESSIVE SCALE OF THE DEFINITIVE LOSS OF LICENCE COVER UP TO 60 YEARS OF AGE (BASIC CONTRACT)**

Since July 1st, 2010, the DEFINITIVE LOSS OF LICENCE is digressive from 51 years of age instead of 48 years of age previously. the insured capital amount is reduced by 10 % a year until 60 years of age.

Before the age of 51 | 100 % of the insured capital |

From 51 years of age | 90 % of the insured capital |

From 52 years of age | 80 % of the insured capital |

From 53 years of age | 70 % of the insured capital |

From 54 years of age | 60 % of the insured capital |

From 55 years of age | 50 % of the insured capital |

From 56 years of age | 40 % of the insured capital |

From 57 years of age | 30 % of the insured capital |

From 58 years of age | 20 % of the insured capital |

From 59 years of age and before 60 | 10 % of the insured capital |

In order to know your Definitive Loss of Licence insured capital amount please refer to the last Insurance certificate we sent you.

You now benefit from an “ALL CAUSES” Definitive Loss of Licence cover.

"Total and definitive loss of licence" shall be understood as meaning a loss resulting in definitive unfitness to carry out the functions authorised by possession of the licence. Such definitive unfitness is noted by the French Civil Aeronautics Medical Board (Conseil Médical de l'Aéronautique Civile Française) in the case of French licences and by the relevant authorities for other licences.

**DIGRESSIVE SCALE OF THE DEFINITIVE LOSS OF LICENCE COVER (55-65 YEARS OF AGE CONTRACT)**

This guarantee takes effect on the first day of the month following the 55^{th} birthday for all the pilots already covered by the basic Definitive Loss of licence contract and who wish to subscribe to the 55/65 years of age Definitive Loss of licence contract.

The amount of this guarantee at 55 years of age is the one resulting from the rules applicable to the Definitive Loss of Licence basic contract. So, at 55 years of age, the new guarantee represents half of the initial contractual capital sum insured. Then, this insured capital amount decreases by 10% every year, this guarantees ends at 65 years of age.

The monthly premium is up rated at 55 years of age. Every year, from 60 years of age the cost of this guarantee is digressive.

From 55 onwards | 100 % of the capital* |

From 56 onwards | 90 % of the capital |

From 57 onwards | 80 % of the capital |

From 58 onwards | 70 % of the capital |

From 59 onwards | 60 % of the capital |

From 60 onwards | 50 % of the capital |

From 61 onwards | 40 % of the capital |

From 62 onwards | 30 % of the capital |

From 63 onwards | 20 % of the capital |

From 64 and before 65 | 10 % of the capital |

* Capital à 55 ans par application du contrat de base.