Exposure - If you are unavoidably exposed to the elements as a result of a covered accident and suffer one of the losses listed above, benefits will be payable according to the Schedule of Benefits.
Disappearance - If your remains are not found within one year of the disappearance, forced landing, stranding, sinking or wrecking of a conveyance you occupied, the benefits will be payable according to the Schedule of Benefits for loss of life.
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