Common Carrier AD&D

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Losses

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
Either Hand or Foot and Sight of One Eye – 100%
Either Hand or Foot – 50%
Sight of One Eye – 50%
Thumb and Index Finger of Same Hand – 50%

The Loss must occur within one hundred eighty-one (181) days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than one hundred percent (100%) of the Maximum Benefit Amount shown in the Scheduled of Benefits for all Losses due to the same Accident.

Loss with regard to:
a) hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively; and
b) eye or eyes means total and irrecoverable Loss of entire sight thereof in that eye; and
c) thumb and index finger means complete severance through or above the joint that meets the palm.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

EXPOSURE

We will pay for covered losses, as shown in the Table of Loss, which result from You being unavoidably exposed to the elements due to an Accident during Your Trip. The Loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

DISAPPEARANCE

We will pay for loss of life, as shown in the Table of Loss, if Your body cannot be located within three hundred sixty-five (365) days after a disappearance due to an Accident during Your Trip. We have the right to recover the benefit if We find that You survived the event.

Exposure and/or Disappearance Benefits are supplemental to benefits provided under Accidental Death and Dismemberment and Your Accidental Death and Dismemberment coverage may not exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

Accidental Death and Dismemberment Exclusions

In addition to the General Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefits.

We will not provide benefits for any loss due to, arising or resulting from:

a) Sickness or disease of any kind, directly or indirectly;

b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

K. COMMON CARRIER ACCIDENTAL DEATH:

Subject to the Terms of this insurance, including the EXCLUSIONS provision, and in the event of an Unexpected death of an Insured Person during the Period of Coverage as a result of an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will reimburse a Common Carrier Accidental Death benefit up to the amount shown in the BENEFIT SUMMARY provided, however, that such Common Carrier Accidental Death benefits shall not exceed the maximum amount
shown in the BENEFIT SUMMARY per Family involved in the same Accident.

(1) The Company will pay the benefit owed, upon proper application therefor, in the following order:

a) to the beneficiary designated in writing by the Insured Person

b) to the Insured Person’s closest surviving Relative

c) the Insured Person’s estate

d) to a claimant entitled to payment under applicable small estate affidavit laws.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Losses

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
Either Hand or Foot and Sight of One Eye – 100%
Either Hand or Foot – 50%
Sight of One Eye – 50%
Thumb and Index Finger of Same Hand – 50%

The Loss must occur within one hundred eighty-one (181) days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and is covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than one hundred percent (100%) of the Maximum Benefit Amount shown in the Scheduled of Benefits for all Losses due to the same Accident.

Loss with regard to:
a) hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively; and
b) eye or eyes means total and irrecoverable Loss of entire sight thereof in that eye; and
c) thumb and index finger means complete severance through or above the joint that meets the palm.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

EXPOSURE

We will pay for covered losses, as shown in the Table of Loss, which result from You being unavoidably exposed to the elements due to an Accident during Your Trip. The Loss must occur within three hundred sixty-five (365) days after the event which caused the exposure.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

DISAPPEARANCE

We will pay for loss of life, as shown in the Table of Loss, if Your body cannot be located within three hundred sixty-five (365) days after a disappearance due to an Accident during Your Trip. We have the right to recover the benefit if We find that You survived the event.

Exposure and/or Disappearance Benefits are supplemental to benefits provided under Accidental Death and Dismemberment and Your Accidental Death and Dismemberment coverage may not exceed the Maximum Benefit Amount shown in the Schedule of Benefits.

Accidental Death and Dismemberment Exclusions

In addition to the General Exclusions, the following exclusions apply to the Accidental Death and Dismemberment Benefits.

We will not provide benefits for any loss due to, arising or resulting from:

a) Sickness or disease of any kind, directly or indirectly;
b) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

K. COMMON CARRIER ACCIDENTAL DEATH:

Subject to the Terms of this insurance, including the EXCLUSIONS provision, and in the event of an Unexpected death of an Insured Person during the Period of Coverage as a result of an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will reimburse a Common Carrier Accidental Death benefit up to the amount shown in the BENEFIT SUMMARY provided, however, that such Common Carrier Accidental Death benefits shall not exceed the maximum amount shown in the BENEFIT SUMMARY per Family involved in the same Accident.

(1) The Company will pay the benefit owed, upon proper application therefor, in the following order:

a) to the beneficiary designated in writing by the Insured Person
b) to the Insured Person’s closest surviving Relative
c) the Insured Person’s estate
d) to a claimant entitled to payment under applicable small estate affidavit laws.

J. COMMON CARRIER ACCIDENTAL DEATH:

Subject to the Terms of this insurance, including the EXCLUSIONS provision, and in the event of an Unexpected death of an Insured Person during the Period of Coverage as a result of an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will reimburse a Common Carrier Accidental Death benefit up to the amount shown in the BENEFIT SUMMARY provided, however, that such Common Carrier Accidental Death benefits shall not exceed the maximum amount shown in the BENEFIT SUMMARY per Family involved in the same Accident.

(1) The Company will pay the benefit owed, upon proper application therefor, in the following order:

a) to the beneficiary designated in writing by the Insured Person
b) to the Insured Person’s closest surviving Relative
c) the Insured Person’s estate
d) to a claimant entitled to payment under applicable small estate affidavit laws.

K. COMMON CARRIER ACCIDENTAL DEATH:

Subject to the Terms of this insurance, including the EXCLUSIONS provision, and in the event of an Unexpected death of an Insured Person during the Period of Coverage as a result of an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will reimburse a Common Carrier Accidental Death benefit up to the amount shown in the BENEFIT SUMMARY provided, however, that such Common Carrier Accidental Death benefits shall not exceed the maximum amount shown in the BENEFIT SUMMARY per Family involved in the same Accident.

(1) The Company will pay the benefit owed, upon proper application therefor, in the following order:

a) to the beneficiary designated in writing by the Insured Person
b) to the Insured Person’s closest surviving Relative
c) the Insured Person’s estate
d) to a claimant entitled to payment under applicable small estate affidavit laws.

K. COMMON CARRIER ACCIDENTAL DEATH:

Subject to the Terms of this insurance, including the EXCLUSIONS provision, and in the event of an Unexpected death of an Insured Person during the Period of Coverage as a result of an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will reimburse a Common Carrier Accidental Death benefit up to the amount shown in the BENEFIT SUMMARY provided, however, that such Common Carrier Accidental Death benefits shall not exceed the maximum amount shown in the BENEFIT SUMMARY per Family involved in the same Accident.

(1) The Company will pay the benefit owed, upon proper application therefor, in the following order:

a) to the beneficiary designated in writing by the Insured Person

b) to the Insured Person’s closest surviving Relative

c) the Insured Person’s estate

d) to a claimant entitled to payment under applicable small estate affidavit laws.

COMMON CARRIER

We will pay the percentage of the Principal Sum shown in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You, as a result of an Injury caused by an Accident occurring during Your Trip while:

1. riding solely as a passenger in or on, boarding or alighting from, any aircraft of a regularly scheduled commercial airline or air charter company licensed carry passengers for hire and operated by a properly certified pilot that results in a Loss shown in the Table of Losses below;

2. riding solely as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier, that results in a Loss shown in the Table of Losses below.

Table of Losses

Loss of % of Principal Sum

Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
Either Hand or Foot and Sight of One Eye – 100%
Either Hand or Foot – 50%
Sight of One Eye – 50%

The Loss must occur within 181 days of the date of the Accident, which caused Injury. The Accident must occur while You are on Your Trip and are covered under this policy.

If more than one Loss is sustained by You as a result of the same Accident, only one amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than 100% of the Maximum Benefit Amount shown in the Schedule of Benefits for all Losses due to the same Accident.

Loss with regard to:

a. hand(s), or foot/feet, means actual severance at or above a wrist joint proximal to the elbow or actual severance at or above the ankle proximal to the knee, respectively; and

6.3 Common Carrier Accidental Death.

The Company will pay an indemnity up to the amount in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew. The benefit will be paid to the person determined by application of the relevant provisions of Section 6.2.

The total amount payable under this section when there are multiple Insured Persons covered, is the Aggregate Limit in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death benefit than their proportionate share.

Loss of Life Exclusion 8(s) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.

6.3 Common Carrier Accidental Death.

The Company will pay an indemnity up to the amount in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew. The benefit will be paid to the person determined by application of the relevant provisions of Section 6.2.

FOR AMOUNT

Loss of life – Principal Sum

Loss of one member -50% of Principal Sum
(A hand severed above the wrist, a foot severed above the ankle, or an eye with complete and irrecoverable loss of sight)

Loss of two members – Principal Sum
(Any combination of two (2) or more losses of a hand severed above the wrist, a foot severed above the ankle, or an eye with complete and irrecoverable loss of sight)-

Quadriplegia (The complete and irreversible total paralysis of both upper and lower limbs)- Principal Sum

Paraplegia (The complete and irreversible total paralysis of both lower limbs)- 75% of Principal Sum

Hemiplegia (The complete and irreversible total paralysis of both the upper and lower limbs on one side of the body)- 50% of Principal Sum

Uniplegia (The complete and irreversible total paralysis of one limb) – 25% of Principal Sum

The total amount payable under this section when there are multiple Insured Persons covered, is the Aggregate Limit in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death benefit than their proportionate share.

Loss of Life Exclusion 8(s) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.