• 24-Hour Coverage includes any accidental bodily injury, including air travel and common carrier coverage.

• Common Carrier Coverage includes any form of conveyance that is certified as a common carrier of passengers, including air travel.

• Aviation Only Coverage includes traveling as a passenger on a Certified Passenger Aircraft provided by a commercial airline on a regularly scheduled or non-scheduled, special, or chartered flight and operated by a properly certified pilot. Military Air Transport Service is covered.

• Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident.

• Dismemberment includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for htese losses. One half the Principal Sum amount will be paid in the even to fhte loss of sight of one eye, the loss of use of one hand or one foot, the hearing of both ears, or the ability to speak.

• Permanent Disability pays the Principal Sum Benefit if the Insured has been totally disabled from an accident for a 365-day period and at the end of such a period it is determined by a competent medical authority that the Insured will not recover from the effects of the sustained injuries to the extent of ever being able to resume the material and substantial duties of the Insured's occupation.

The Underwriters reserve the right to have the Insured examined by a physician of their choice. Should their physician and the Insured's physician not be able to agree that the insured is totally and permanently disabled, the two physicians shall name a third physician to make a decision on the matter which shall be final and binding.

The Principal Sum is the maximum payable loss resulting from a single accident. In the case of multible losses the largest benefit amount will be paid.

This certficate does not cover injury or death caused or contributed to by war, declared or undeclared, or acts of terrorism (unless such coverage is applied for and the appropriate additional premium has been paid), intentional self-inflicted injury or injury while committing a criminal or felonious act, alcoholism, drug addiction, or disability resulting from subjective pain, mental, or nervious disorders.