Life Insurance - Common Carrier

Subject to all other terms of the Policy, We will cover Injury to the Insured Person on a Covered Trip limited to riding as a passenger, getting in or out of, or being struck by a Common Carrier.

Description of Benefits
If the Insured Persons Injury results in a loss shown below within one year after the Accident causing the loss, We will pay for:

Loss of Life The Principal Sum:

Loss of both Hands or both Feet or Sight of both eyes The Principal Sum :

Loss of one Hand and one Foot The Principal Sum :

Loss of one Hand or one Foot and Sight of one eye The Principal Sum :

Loss of one Hand or one Foot or Sight of one eye One-Half The Principal Sum :

Definitions :

Loss of Hand or Foot means the complete and permanent severance through or above the wrist or ankle joint.

Loss of Sight means the total and permanent loss of entire sight. Such loss correctable by surgery or lenses is not considered total and permanent. :

If the Insured Person suffers more than one loss from any one Accident, We will pay only one amount which is determined to be the highest benefit payable not to exceed the Principal Sum. :

Exposure and Disappearance:

We will pay the appropriate benefit if the Insured Person::

is exposed to the elements due to an Accident covered by the Policy; andsustains a loss for which a benefit would otherwise be paid under the Policy. :

We will presume death due to an Injury to the Insured Person if: :

the Insured Persons body is not found within one year from the date of an aircraft Accident, sinking or wrecking of any other conveyance in which he or she was a passenger; andif the aircraft Accident or other event or Accident is covered by the Policy.:

Subject to all other terms of the Policy, We will cover Injury to the Insured Person on a Covered Trip limited to riding as a passenger, getting in or out of, or being struck by a Common Carrier.

Description of Benefits
If the Insured Persons Injury results in a loss shown below within one year after the Accident causing the loss, We will pay for:

Loss of Life The Principal Sum:

Loss of both Hands or both Feet or Sight of both eyes The Principal Sum :

Loss of one Hand and one Foot The Principal Sum :

Loss of one Hand or one Foot and Sight of one eye The Principal Sum :

Loss of one Hand or one Foot or Sight of one eye One-Half The Principal Sum :

Definitions :

Loss of Hand or Foot means the complete and permanent severance through or above the wrist or ankle joint.

Loss of Sight means the total and permanent loss of entire sight. Such loss correctable by surgery or lenses is not considered total and permanent. :

If the Insured Person suffers more than one loss from any one Accident, We will pay only one amount which is determined to be the highest benefit payable not to exceed the Principal Sum. :

Exposure and Disappearance:

We will pay the appropriate benefit if the Insured Person::

is exposed to the elements due to an Accident covered by the Policy; andsustains a loss for which a benefit would otherwise be paid under the Policy. :

We will presume death due to an Injury to the Insured Person if: :

the Insured Persons body is not found within one year from the date of an aircraft Accident, sinking or wrecking of any other conveyance in which he or she was a passenger; andif the aircraft Accident or other event or Accident is covered by the Policy.:

You are covered for Injury sustained during Your Covered Trip while riding as a passenger (not as a pilot, operator or member of the crew) on, or boarding or alighting from a public conveyance provided by a Common Carrier.

COMMON CARRIER

You are covered for the amount purchased when You sustain covered Injuries: 1) received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier, and 2) resulting in any of the following losses within 180 days from the date of the accident. Benefits will be paid as follows:

• loss of life, both feet, both hands, both eyes, one hand and one foot, one hand and one eye or one foot and one eye – Maximum Benefit Amount;
• loss of one hand, one foot or one eye - one half of the Maximum Benefit Amount.
• Loss of hand or hands, or foot or feet, means complete and permanent severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

Common Carrier Coverage
Subject to the limitations stated below, We will cover Injury to You on a Covered Trip limited to riding as a passenger, getting in or out of, or being struck by a Common Carrier.

Description of Benefits
If Your Injury results in a loss shown below with- in one year after an Accident causing the loss, which is not due to Terrorist Incident, We will pay a percentage of the principal sum shown on the Schedule of Benefits as follows:

Loss of Life The Principal Sum:

Loss of both Hands or both Feet or Sight of both eyes The Principal Sum :

Loss of one Hand and one Foot The Principal Sum :

Loss of one Hand or one Foot and Sight of one eye The Principal Sum :

Loss of one Hand or one Foot or Sight of one eye One-Half The Principal Sum :

Definitions :

Loss of Hand or Foot means the complete and permanent severance through or above the wrist or ankle joint.

"Loss of Sight" means the total and permanent loss of entire sight. Such loss correctable by surgery or lenses is not considered total and permanent. If You suffer more than one loss from any one Accident, We will pay only one amount which is determined to be the highest benefit payable not to exceed the Principal Sum.

Exposure and Disappearance
We will pay the appropriate percentage of the Principal Sum if You are exposed to the elements due to a covered Accident and You sustain a loss for which a benefit would otherwise be paid.

We will presume death due to an Injury to You if Your body is not found within one year from the date of a Common Carrier Accident, in which You were a passenger.

Included in Air Flight Accident Coverage

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier: 1) Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier; and 2) Resulting in any of the losses listed below within 180 days from the date of the accident. Benefits will be paid for the following types of Loss or Injury in the amounts shown:

• Loss of Life 100%
• Loss of both feet 100%
• Loss of both hands 100%
• Loss of both eyes 100%
• Loss of one hand and one foot 100%
• Loss of one hand and one eye 100%
• Loss of one foot and one eye 100%
• Loss of one hand 50%
• Loss of one foot 50%
• Loss of one eye 50%

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier: 1) Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier; and 2) Resulting in any of the losses listed below within 180 days from the date of the accident. Benefits will be paid for the following types of Loss or Injury in the amounts shown:

• Loss of Life 100%
• Loss of both feet 100%
• Loss of both hands 100%
• Loss of both eyes 100%
• Loss of one hand and one foot 100%
• Loss of one hand and one eye 100%
• Loss of one foot and one eye 100%
• Loss of one hand 50%
• Loss of one foot 50%
• Loss of one eye 50%