Voluntary Accident Schedule of  Benefits

Benefits will be paid for any of the following losses which result from covered accidental injury to you or your covered dependents within 365 days of the date of the accident

100% of the Principal Sum will be paid for: 75% of the Principal Sum will be paid for: 50% of the Principal Sum will be paid for:
Loss of life Paraplegia (total paralysis of both lower limbs) Loss of one hand or one foot
Loss of both hands or both feet   Loss of sight of one eye
Loss of sight of both eyes   Hemiplegia (total paralysis of upper and lower limbs on one side of the body)
Loss of one hand and one foot   Loss of speech or hearing in both ears
Loss of one hand or one foot and sight of one eye    
Quadriplegia (total paralysis of both upper and lower limbs)   25% of the Principal Sum will be paid for:
Loss of speech and hearing in both ears   Loss of thumb and index finger of the same hand

 “Loss” as used above means:  With regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to eyes, entire irrecoverable loss of sight; with regard to paralysis (quadriplegia, paraplegia and Hemiplegia) the complete and irreversible paralysis of such limbs; with regard to thumb and index finger actual severance through or above metacarpophalangeal joints; with regard to speech, entire and irrecoverable loss of speech; with regard to hearing, the entire and irrevocable loss of hearing in both ears.

If you (or a covered dependent) suffers more than one of the losses listed above as the result of any one covered accident, benefits will be paid only for the greatest loss.

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Revised: March 05, 2005.