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ACCIDENTAL DEATH AND DISMEMBERMENT

The amount of the Principal Sum is $25,000

If Injury to the Insured results, within 365 days of the date of the accident that caused the Injury, in any one of the types of losses specified below, the Company will pay the percentage of the Principal Sum shown below for that type of loss:
Description of Loss/Indemnity Percentage of the Principal Sum
Life 100%
Both Hands or Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Either Hand or Foot 50%
Sight of One Eye 50%


The term "loss" as used herein shall mean, with regard to hands and feet, actual severance through or above wrist or ankle joint, and with regard to eyes, entire irrecoverable loss of sight.

Paralysis Benefit
If Injury to the Insured results, within 365 days of the date of the accident that caused the Injury, in any one of the types of paralysis specified below, the Company will pay the percentage of the Principal Sum shown below for that type of paralysis:

Type of Paralysis Percentage of the Principal Sum
Quadriplegia 100%
Paraplegia 75%
Hemiplegia 50%
Uniplegia 25%


"Quadriplegia" means the complete and irreversible paralysis of both upper and both lower limbs.
"Paraplegia" means the complete and irreversible paralysis of both lower limbs.
"Hemiplegia" means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.
"Uniplegia" means the complete and irreversible paralysis of one limb.
"Limb" means entire arm or entire leg.

If the Insured suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.

Excess Benefits
All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.

Exclusions
For Accidental Death and Dismemberment Indemnity this plan does not cover any loss caused by or resulting from:
  1. For suicide or any attempt thereat by the Insured Person while sane or self-destruction or any attempt thereat by the Insured Person while insane;


  2. Disease of any kind;


  3. Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound;


  4. Hernia of any kind;


  5. Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted;


  6. Declared or undeclared war or any act thereof;


  7. Service in the military, naval, or air service of any country.
Click here to view a list of the definition of terms.


E-mail us for more information and a free quote or CALL TOLL FREE
1-800-875-4490 (in the U.S.) or 1-253-854-0199 (outside the U.S.)
Fax: 1-253-896-9411


Mailing address: Maddock & Associates, 1407 Willow Road E, Suite C, Tacoma, WA 98424
Serving all of Washington at 800-875-4490, Seattle at 206-682-1628,
Bellevue at 425-454-6834, Kent at 253-854-0199 and Tacoma at 253-572-3291.
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