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XL America, Inc. OPEN ACCESS PLUS MEDICAL BENEFITSEFFECTIVE DATE: January 1, 2017ASO17a 3210548This document printed in April 2017 takes the place of any documents previously issued to you which described

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XL America Inc. is a company engaged in providing insurance and reinsurance services, part of the XL Group.

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The purpose of XL America Inc. is to provide risk management solutions through insurance and reinsurance products.

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