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Exhibit 10.22

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Effective Date of Individual Insurance:

Each eligible person becomes an Insured on the later of:

Individual Terminations: Insurance for any Insured shall end on the first of the following dates:

Notwithstanding anything above to the contrary, Insureds on approved leaves of absence (including disability leaves) will continue to be covered, provided premium payments are also continued.

Change in Coverage: Each Insured is covered under the Insuring and Benefit Provisions applicable to the class in which he or she qualifies:

Benefits:

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Accidental Death and Specific Loss / Permanent Total Disability Benefits for any Insured age 70 and over shall be payable in accordance with the following schedule:

Any reductions in Principal Sum amounts shall be effective at the end of the calendar year in which the Insured attains the stated age.

This Plan of Insurance is effective January 1, 2004. It replaces and supersedes any Plan of Insurance previously issued to this Policyholder. The revision made to this Plan of Insurance: Change in Eligibility and Annual Salary definition.

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AMENDMENT RIDER

This rider is attached to and made a part of Policy No. T5MP-BT-34130 and is subject to the provisions and conditions contained therein.

The effective date of this rider is January 1, 2004.

The policy to which this rider is attached is hereby amended as follows:

“Written notice of claim must be given to us within 90 days after loss covered by this policy occurs or starts.”

“Benefits for loss of life will be paid to the beneficiary the Insured has chosen for this policy. This choice must be in writing and on file with the Policyholder.

If no specific beneficiary has been chosen for this policy, loss of life benefits will be paid to the beneficiary or beneficiaries the Insured has chosen for the group life policy or policies indicated in the Policyholder’s records. In the event there is more than one group life policy applicable with two or more beneficiaries, loss of life benefits for this policy will be apportioned to each beneficiary in the same relationship as the amount for each group life policy beneficiary bears to the total amounts payable for all such group life policies.

If the Insured has not chosen a beneficiary for this policy or the Policyholder’s group life policy or policies, or no beneficiary survives the Insured, loss of life benefits will be paid to the Insured’s estate.”

(continued)

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“Six (6) Cessna Citation III aircraft, each having 2 crew seats an 8 passenger seats One (1) Gulfstream IV aircraft, having 3 crew seats and 12 passenger seats”

“The premium for the policy applies only to the Aircraft identified in item (5) of this Rider. However, any aircraft newly acquired or leased during the policy term may also be covered, provided you:

Coverage shall begin on the date you legally acquired or leased the aircraft. Failure to give notice within the allotted time and payment of additional premium, if any, shall not terminate the automatic coverage for such newly acquired or leased aircraft provided that you furnish a complete and accurate list of all the aircraft you own or lease on no less than an annual basis coinciding with the effective date of the policy. Any benefits payable as the result of this provision are contingent upon premium being paid.”

“ An Insured will be presumed to have died due to covered Injuries, if while insurance is in effect he or she suffers covered loss due to exposure to the elements.

An Insured will be presumed to have died if, while insurance is in effect and after the forced landing, stranding, sinking or wrecking of a covered vehicle:

“The Insured is covered for Injuries caused by an act of declared or undeclared war while Traveling on Business for the Policyholder which occur anywhere in the world, except the United States.”

(continued)

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CONVERSION PRIVILEGE

We will offer a converted policy to the Insured if the accidental death and dismemberment insurance under the policy ends for any of the following reasons:

Health: We will not ask the Insured for proof of insurability.

Application: To obtain a converted policy, the Insured must: (1) apply within 31 days after the policy ends, and (2) pay the first premium. If the Insured has assigned ownership of their coverage, the owner must apply for the Insured.

Policy and Benefits: The converted policy will, at our option, be issued on one of Our forms. It will provide accidental death or accidental death & dismemberment benefits. Individual policy requirements and product availability in the state where the Insured resides will determine the form that will be used. Both the coverage and benefit amounts may differ from the Insured’s coverage.

Cost: The Insured’s premium will be based on: (1) the class of risk to which the Insured belongs; (2) the Insured’s age; and (3) the form and amount of coverage issued.

Effective Date: The converted policy will take effect on the date the Insured applies for the converted policy.

Exclusions: The converted policy may exclude the hazards or conditions that apply to the Insured’s coverage at the time it ends.

Renewability: The converted policy may provide that it can be renewed on any anniversary with Our consent subject to a maximum age limit.

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