Accidental Death Benefit
If the insurance company is provided with proof that your death occurred as a direct result of accidental bodily injuries resulting from external, violent, and accidental means without negligence on your part, the insurance company will pay to your beneficiary an additional amount equal to 100% of the basic life insurance benefit, see previous section for basic life insurance information.
Critical Disease Benefit
If, after the effective date your coverage begins with NEBS, you are diagnosed with a critical disease and become totally disabled, as defined under the Policy, and have not been able to work at any occupation for at least 9 months, the insurance company will pay you at an amount equal to 10% of your basic life insurance benefit to a maximum of $50,000. Benefits are limited to the first covered critical disease in your lifetime. Critical Disease is defined under the policy.
If the insurance company is provided with proof that you sustained a loss of the use of a part of your body as a direct result of a critical disease or bodily injuries resulting from external, violent, and accidental means, without negligence on your part, the insurance company will pay a percentage of your basic life insurance benefit based on the Loss Schedule indicated in the Policy (i.e. paraplegia, hemiplegia, quadriplegia, limbs, sight, hearing).
Your accidental death, disease/dismemberment benefit terminates at age 75, and critical disease benefit at age 65.