ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE GCERT2000 49 add 05/13 Applicable to Basic Accidental Death and Dismemberment Insurance If You sustain an accidental injury that is the Direct and Sole Cause of a Covered Loss described in the SCHEDULE OF BENEFITS, Proof of the accidental injury and Covered Loss must be sent to Us. When We receive such Proof We will review the claim and, if We approve it, We will pay the insurance in effect on the date of the injury. Direct and Sole Cause means that the Covered Loss occurs within 12 months of the date of the accidental injury and was a direct result of the accidental injury, independent of other causes. We will deem a loss to be the direct result of an accidental injury if it results from unavoidable exposure to the elements and such exposure was a direct result of an accident. PRESUMPTION OF DEATH You will be presumed to have died as a result of an accidental injury if: ● the aircraft or other vehicle in which You were traveling disappears, sinks, or is wrecked; and ● the body of the person who has disappeared is not found within 1 year of: ● the date the aircraft or other vehicle was scheduled to have arrived at its destination, if traveling in an aircraft or other vehicle operated by a Common Carrier; or ● the date the person is reported missing to the authorities, if traveling in any other aircraft or vehicle. EXCLUSIONS (See notice page for residents of Missouri) We will not pay benefits under this section for any loss caused or contributed to by: 1. physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity; 2. infection, other than infection occurring in an external accidental wound; 3. suicide or attempted suicide; 4. intentionally self-inflicted injury; 5 . service in the armed forces of any country or international authority, except the United States National Guard; 6 . any incident related to: travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger; or ● travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight; ● parachuting or otherwise exiting from an aircraft while such aircraft is in flight except for self- preservation; ● travel in an aircraft or device used: ● for testing or experimental purposes; or ● by or for any military authority; or ● for travel or designed for travel beyond the earth’s atmosphere; 7. committing or attempting to commit a felony;