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.:

Common Carrier: means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses above, that occurs while You are riding as a passenger in or on, boarding or alighting from, any Common Carrier conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage.

The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 181 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage. The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

TABLE OF LOSSES
Loss of: Percentage 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%
Speech and hearing in both ears............. 100%
Speech ..................................................... 50%
Hearing in both ears .................................. 50%
Thumb and index finger of same hand ...... 25%
“Loss” with regard to:
1. Hand or foot means actual complete severance through and above the wrist or ankle joints;
2. Eye means an entire and irrecoverable Loss of sight;
3. Speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
4. Thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE: The Company will pay benefits for covered Losses that result from Your being unavoidably exposed to the elements due to an Accident. The Loss must occur within 365 days after the event that caused the exposure.

DISAPPEARANCE: The Company will pay benefits for Loss of life if Your body cannot be located one (1) year after Your disappearance due to an Accident.

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;

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:
Type of Loss / Benefit Amount
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%

Loss of hand or hands, or foot or feet, means 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 the largest applicable amount 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.

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;

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:
Type of Loss / Benefit Amount
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%

Loss of hand or hands, or foot or feet, means 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 the largest applicable amount 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.