High Limit Accident Insurance

Outline

• Coverage
• Benefits
• Benefit Schedule
• Special Features
• Exclusions

Coverage

War and/or terrorism may be covered for an additional premium.

24-Hour Coverage includes any accidental bodily injury, including air travel and common carrier coverage.

Common Carrier Coverage includes any form of conveyance that is certified as a common carrier of passengers, including Air Travel.

Aviation Only Coverage includes traveling as a passenger on a Certified Passenger Aircraft provided by a commercial airline on a regularly scheduled or non-scheduled, special or chartered flight and operated by a properly certified pilot. Military Air Transport Service is covered.

(See the Exclusions statement for accidents not covered by this certificate.)

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Benefits

Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident.

Dismemberment includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half the Principal Sum amount will be paid in the event of the loss sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak.

Sudden Cardiac Arrest (SCA) is available only with the 24-hour AD&D benefit (AD&D and SCA). This coverage pays the full benefit if an insured person dies within 72 hours of a sudden cardiac arrest.

The Principal Sum is the maximum payable loss resulting from a single accident. In the case of multiple losses the largest benefit amount will be paid.

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Benefit Schedule

Special Features

• Benefits are payable in addition to any other plan.
• Benefits are payable for loss caused by exposure to the weather or in a conveyance that results in disappearance or sinking and the body is not found within 365 days of the accident. Benefits will be paid on the basis of presumption of death.
• Benefits may be taken in a single lump sum or in equal annual installments.
• Covers accidental bodily injury sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident.
• War or acts of war and/or terrorism may be covered under this plan by applying for such and paying the additional premium

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Exclusions

This certificate does not cover injury or death caused or contributed to by war, declared or undeclared, or acts of terrorism (unless such coverage is applied for and the appropriate additional premium is paid), intentional self-inflicted injury or injury while committing a criminal or felonious act, alcoholism or drug addiction.

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