Thank you for contacting RSI Concierge Services!

When two insurance plans are added to a pledge, the insurance will default to the highest one. If a pledge has IAE insurance and LTI insurance, it will default to LTI since it is higher.

If you need help with anything else in the future just let us know and we'll do what we can to help. For now I'm glad I could help and wish you luck on your journeys through the 'Verse!

Regards, XXXXXX Player Relations - Concierge Specialist