Accidental Death and Disablement

ACCIDENTAL DEATH AND  DISABLEMENT

Rider information:

Age at entry: 18-60
Term:

5-47 years and not to exceed the premium term of the base contract.

Rider benefits:
This rider provides additional benefits in the event of accidental death or disablement as follows:

 Accidental Death Benefit: a Sum Insured is payable on the accidental death of the Life Insured of this rider.
 Accidental Disablement Benefits: a percentage of the Sum Insured is payable on the accidental disability of the Life Insured of this rider. The attached Schedule of Benefits provides a full description of the benefits payable.
 
SCHEDULE OF BENEFITS
Types SCHEDULE OF LOSSES Benefit as a % of the Base Plan Sum Insured
1  Total and Permanent Disablement 100%
2  Loss of two limbs 100%
3  Loss of both hands 100%
4  Total loss of sight of both eyes 100%
5  Loss of one leg or arm
  - above elbow or knee
- at or below elbow or knee
75%
65%
6  Loss of speech 50%
7  Total loss of sight of one eye 50%
8  Loss of thumb
  - Metacarpal
- Both phalanges
- One phalanx
25%
20%
10%
9  Loss of index finger
  - Metacarpal
- Three phalanges
- Two phalanges
- One phalanx
15%
10%
8%
4%
10  Loss of middle finger
  - Metacarpal
- Three phalanges
- Two phalanges
- One phalanx
8%
6%
4%
2%
11  Loss of ring finger
  - Metacarpal
- Three phalanges
- Two phalanges
- One phalanx
7%
5%
4%
2%
12  Loss of little finger
  - Metacarpal
- Three phalanges
- Two phalanges
- One phalanx
6%
4%
3%
2%
13  Loss of toes
  - All
- Great, both phalanges
- Great, one phalanx
- Other than great, if more   than one toe lost, each
30%
10%
4%
2%
14  Loss of hearing
  - Both ears
- One ear
50%
15%


Note:
"Total and Permanent Disablement" means disablement of the Life Insured caused by Injury which results in the complete incapacity of the Life Insured for an uninterrupted period of 6 months and which, in our opinion after consideration of medical evidence satisfactory to us, will prevent the Life Insured from ever again engaging in any gainful occupation.