Blanket AccidentInsurance

EXHIBIT 10.9

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Section I - Policy Period

From: JANUARY 1, 2004             To: JANUARY 1, 2005

12:01 A.M. standard time at the Policyholder’s mailing address shown above.

Section II - Persons Insured

The following are the Persons Insured under this policy:

If an Insured Person is included in more than one Class, the Insured Person will be covered for only the Benefit Amount applicable to one Class. The Insured Person will be considered a member of the applicable Class that provides the Insured Person the largest Benefit Amount for the particular Accident and Loss that has occurred.

An Insured Person is added for coverage as a Class member at any time during the policy period that the Insured Person fits the Class description. An Insured Person will be deleted from a Class and coverage ends at any time the Insured Person no longer fits the Class description. All premium adjustments will be made according to the terms of this policy.

Section III - Hazards

The following are the Hazards during which coverage applies:

(continued)

Section IV - Benefits

BENEFIT AMOUNTS

Accidental Loss of Life and Scheduled Benefits

The following are Loss of Life Benefit Amounts for each Class and corresponding Hazards:

¨ Multiple of salary applies, refer to the Supplemental Benefit Amounts Declarations.

The following are Losses covered and the corresponding Scheduled Benefit Amounts.

PERMANENT TOTAL DISABILITY MONTHLY BENEFIT

The following are Permanent Total Disability Benefit Amounts for each Class. The same Hazards apply as stated above for Accidental Loss of Life.

If an Insured Person has multiple Losses as the result of one Accident, we will pay only the single largest Benefit Amount applicable to the Losses suffered.

SEAT BELT

10 percent of the Accidental Loss of Life Benefit Amount.

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Blanket Accident Insurance

Declarations

Effective Date JANUARY 01, 2004

Policy Number 6404-48-82

(continued)

Section V - Maximum Limit Of Insurance

The following are the maximum amounts we will pay:

Limit of Insurance

$5,000,000                     per         ACCIDENT

If more than one (1) Insured Person suffers a Loss in the same Accident, we will not pay more than the maximum Limit of Insurance shown above. If an Accident results in Benefit Amounts becoming payable, which when totalled, exceed the applicable Limit of Insurance shown above, the maximum Limit of Insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount.

Coverage only applies for the Classes, Hazards, Benefit Amounts and Losses that are specifically indicated as covered.

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Blanket Accident Insurance

Company and Policy Period

Insurance is issued by the Company in consideration of payment of the required premium.

This policy begins and ends at 12:01 AM Standard Time at the Policyholder’s address on the dates shown below:

From: JANUARY 1, 2004                  To: JANUARY 1, 2005

The Policyholder’s acceptance of this policy terminates, any prior policy of the same number issued to the Policyholder by the Company, effective with the inception of this policy.

This Insuring Agreement, together with the Premium Summary, Schedule Of Forms, Declarations, Contract, Hazards, Common Policy Conditions and Endorsements comprise this policy. If this policy is a renewal, we have only reissued to you those policy documents containing changes from your previous policy period coverages and any new additional coverages or policy provisions. All other policy documents continue in effect.

The Company issuing this policy has caused this policy to be signed by its authorized officers, but this policy shall not be valid unless also signed by a duly authorized representative of the Company.

FEDERAL INSURANCE COMPANY (incorporated under the laws of Indiana)