Common Carrier AD&D Full Policy Wording

Each policy’s Common Carrier AD&D coverage is detailed below. View the coverage summary here.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

1

Beacon America incl US
Azimuth Risk Solutions, LLC

Common Carrier AD&D Benefits

$50,000 per adult
$30,000 per child

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32.15 Common Carrier Accidental Death — Subject to the Benefits and Limits set forth in the Schedule of Benefits in Section 21. The Scheme Administrator will consider paying if the following provisions are met;

32.15.1 The Participating Member must be in compliance with all conditions and provisions of this coverage; and

32.15.2 The Accident giving rise to the Accidental Death must occur while the Participating Member(s) is a fare-paying passenger on a regularly scheduled trip on board a commercial airline or cruise line.

32.15.3 If the Death occurs on a Common Carrier, the Accidental Death and Dismemberment benefit is null and void, as the Common Carrier benefit takes precedence.

32.15.4 The Scheme Administrator will pay the Principal Sum of $50,000 for Participating Members eighteen (18) years of age and older, or the Principal Sum $30,000 for Participating Members under eighteen (18) years of age. The Maximum Benefit for any one (1) Family is $250,000;

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Common Carrier AD&D Benefits

$50,000 per adult
$30,000 per child

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Full Policy Wording

32.15 Common Carrier Accidental Death — Subject to the Benefits and Limits set forth in the Schedule of Benefits in Section 21. The Scheme Administrator will consider paying if the following provisions are met;

32.15.1 The Participating Member must be in compliance with all conditions and provisions of this coverage; and

32.15.2 The Accident giving rise to the Accidental Death must occur while the Participating Member(s) is a fare-paying passenger on a regularly scheduled trip on board a commercial airline or cruise line.

32.15.3 If the Death occurs on a Common Carrier, the Accidental Death and Dismemberment benefit is null and void, as the Common Carrier benefit takes precedence.

32.15.4 The Scheme Administrator will pay the Principal Sum of $50,000 for Participating Members eighteen (18) years of age and older, or the Principal Sum $30,000 for Participating Members under eighteen (18) years of age. The Maximum Benefit for any one (1) Family is $250,000;

HTH Travel Insurance
HTH Travel Insurance

3

TripProtector Preferred
HTH Travel Insurance

Common Carrier AD&D Benefits

$100,000 per person

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ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the 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%
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; and

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 You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (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 within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

4

TripProtector Economy
HTH Travel Insurance

Common Carrier AD&D Benefits

$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the 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%
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; and

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 You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (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 within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

5

TripProtector Classic
HTH Travel Insurance

Common Carrier AD&D Benefits

$50,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the 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%
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; and

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 You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (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 within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

Seven Corners Inc
Seven Corners Inc

6

RoundTrip Choice
Seven Corners Inc

Common Carrier AD&D Benefits

$10,000 per person

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COVERAGE M

COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury 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 that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum

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 one of the amounts shown above (the largest applicable) will be paid for 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. These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

The Principal Sum is shown in the Schedule of Benefits.

7

RoundTrip Economy
Seven Corners Inc

Common Carrier AD&D Benefits

$10,000 per person

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Full Policy Wording

COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury 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 that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Table of Losses

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum

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 one of the amounts shown above (the largest applicable) will be paid for 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.

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

The Principal Sum is shown in the Schedule of Benefits.

8

RoundTrip Elite
Seven Corners Inc

Common Carrier AD&D Benefits

$25,000 per person

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Full Policy Wording

COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury 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 that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Table of Losses

Type of Loss Benefit Amount

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum

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 one of the amounts shown above (the largest applicable) will be paid for 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.

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

The Principal Sum is shown in the Schedule of Benefits

9

Wander Frequent Traveler excl US
Seven Corners Inc

Common Carrier AD&D Benefits

$50,000 per adult
$25,000 per child
$250,000 policy limit

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Full Policy Wording

Common Carrier Accidental Death and Dismemberment:

The Company will pay an indemnity up to the amount set forth 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 Loss of: Insured or Spouse

Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

For Loss of: Children

Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

The total amount payable under this Section 6.3 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth 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 and Dismemberment benefit than their proportionate share.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.3.

10

Liaison Travel Choice excl US
Seven Corners Inc

Common Carrier AD&D Benefits

$50,000 per adult
$10,000 per child
$250,000 policy limit

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Common Carrier Accidental Death and Dismemberment:

The Company will pay an indemnity up to the amount set forth 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: INSURED OR TRAVEL COMPANION

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia(total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia(total paralysis of one limb): 25% of Principal Sum

FOR: CHILD (REN)

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia(total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia(total paralysis of one limb): 25% of Principal Sum

The total amount payable under this Section 6.3 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth 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 and Dismemberment benefit than their proportionate share. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.3.

11

Liaison Travel Basic excl US
Seven Corners Inc

Common Carrier AD&D Benefits

$20,000 per adult
$5,000 per child
$250,000 policy limit

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Common Carrier Accidental Death and Dismemberment.

The Company will pay an indemnity up to the amount set forth 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 6.3 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth 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 and Dismemberment benefit than their proportionate share.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.3.

FOR INSURED OR TRAVEL COMPANION
Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

FOR CHILD (REN)
Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

12

Liaison Travel Plus excl US
Seven Corners Inc

Common Carrier AD&D Benefits

$50,000 per adult
$10,000 per child
$250,000 policy limit

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6.3 Common Carrier Accidental Death and Dismemberment.

The Company will pay an indemnity up to the amount set forth 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: INSURED OR TRAVEL COMPANION

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia (total paralysis of one limb): 25% of Principal Sum

FOR CHILD (REN)

Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs): Principal Sum
Paraplegia (total paralysis of both lower limbs): 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body): 50% of Principal Sum
Uniplegia (total paralysis of one limb): 25% of Principal Sum

The total amount payable under this Section 6.3 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth 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 and Dismemberment benefit than their proportionate share. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.3.

13

Wander Frequent Traveler Plus excl US
Seven Corners Inc

Common Carrier AD&D Benefits

$50,000 per adult
$25,000 per child
$250,000 policy limit

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Full Policy Wording

Common Carrier Accidental Death and Dismemberment:

The Company will pay an indemnity up to the amount set forth 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 Loss of: Insured or Spouse

Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

For Loss of: Children

Loss of life – Principal Sum
Loss of two members – Principal Sum
Loss of one member – 50% of Principal Sum
Quadriplegia (total paralysis of both upper and lower limbs) – Principal Sum
Paraplegia (total paralysis of both lower limbs) – 75% of Principal Sum
Hemiplegia (total paralysis of both upper and lower limbs of one side of the body) – 50% of Principal Sum
Uniplegia (total paralysis of one limb) – 25% of Principal Sum

The total amount payable under this Section 6.3 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth 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 and Dismemberment benefit than their proportionate share.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.3.

Trawick International
Trawick International

14

Safe Travels Single Trip
Trawick International

Common Carrier AD&D Benefits

$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER

The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses, 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 180 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.

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; and

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 You being unavoidably
exposed to the elements due to an Accident of an conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (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 within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of a conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

15

Safe Travels First Class
Trawick International

Common Carrier AD&D Benefits

$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER

The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses, 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 180 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.

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 regards to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

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 You being unavoidably
exposed to the elements due to an Accident of an conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (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 within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of a conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.