Abstract: Multiple panels are assembled to provide front and back body armor inserts to be worn under regular clothing. Each panel consists of a ply of titanium metal bonded to a ply of aramid fiber woven cloth. The panels are arranged in overlapping and in abutting relationship but are not joined to one another except by way of overlying and underlying felted material plies. This provides an insert that is capable of some degree of flexing and adjustment on the body of the wearer. Back up strip panels protect the wearer along the abutting zones of the main panels.