Accidental Death and Dismemberment Insurance

When you select Family Coverage, your family will become insured as follows:

• If you do not have dependent children, your spouse will be insured for 50% of the amount of insurance you have selected for yourself

• If you and your spouse have dependent children, your spouse will be insured for 40% of your amount of insurance and each dependent child, regardless of the number, will be insured for 10% of your amount of insurance, up to a maximum of $100,000 per child

• If you do not have a spouse, each dependent child will be insured for 20% of your amount of insurance, up to a maximum of $100,000 per child

If both you and your spouse have coverage as association members, the insurance for each child is increased to 20% of the insured amount of the person who elects Family Coverage (to a maximum of $100,000). Only one member may apply for Family Coverage — either you or your spouse, but not both. You may be covered as an insured member or a spouse, but not as both. 

Common disaster: This benefit only applies if you selected Family Coverage, where both you and your spouse
are insured. If both you and your spouse die within 365 days as a result of the same accident, the amount payable
will be increased for your spouse to match that of your amount of insurance up to a maximum of $500,000.

Repatriation: Pays up to $15,000 when accidental death occurs outside the country of residence for the return of
remains.

Education: This benefit applies only if you selected a Family Coverage. It Pays $5,000 a year for a maximum of
four years to each eligible dependent child who, at the time of your accidental death, was enrolled as a full-time
student in an institution of higher learning beyond the secondary level; or, if at the secondary level and subsequently
enrols as a full-time student in an institution of higher learning within 365 days of the date of your accidental death.
If no dependent children were eligible for this benefit, we will pay a lump-sum amount of $1,000 to your designated
beneficiary.

Spousal training: In the event of your death for which a death benefit becomes payable, we will pay for expenses
incurred by your spouse to participate in a formal occupational training program to become qualified for active employment where your spouse would not otherwise be qualified. This benefit is available within five years of the accident and up to a
maximum of $15,000 in total is available for expense payments.

Rehabilitation: If you or your spouse suffer a loss other than death, where a benefit becomes payable, a
rehabilitation benefit of up to a maximum of $10,000 may be payable. 

The following benefits are not covered if injury or death results directly or indirectly from any of the following:

Self-inflicted injury – suicide, attempted suicide, or intentionally self-inflicted injury, unless medical evidence
establishes that the injuries are related to a mental health illness;

Intoxication – operating a vehicle while your blood alcohol level is more than 80 milligrams of alcohol per 100
milliliters of blood. A vehicle includes any form of ground, air, or marine transportation that can be put into motion
by any means, including muscular power. We do not take into account whether or not the vehicle is in motion;

Drugs – the use of any medication, narcotics, toxic substances, or drugs of any nature, unless administered by or
taken as prescribed or as recommended by an authorized health care professional or licensed physician;

Poison – any voluntary gas inhalation or poison voluntarily taken, administered, or inhaled;

Criminal offence or imprisonment – attempt, provocation, or commission of a criminal offense or assault, or
participation in a riot or civil commotion; or any period of incarceration or confinement in a similar institution,
unless medical evidence establishes that the injuries or losses are related to a mental health illness;

Infection – contracting an infection, unless the infection was directly caused by an external visible wound received
in an accident;

Disease – an injury caused or contributed to by disease, bodily or mental infirmity, or related medical or surgical
treatment of such disease;

Terrorism, war, or insurrection – declared or undeclared war, or any act of war, riot or insurrection or terror; or
military service in the armed forces of any country at war, or any conduct, act or thing incidental thereto;

Pilot and Crew Member – riding as a passenger in, alighting from, or boarding an aircraft while operating, learning
to operate, or serving as a member of a crew of an aircraft or while crop dusting, crop spraying, seeding, skywriting,
racing, testing, exploration, or any other purpose except transportation. However, if you have purchased the optional
pilot and crew member coverage, the optional coverage amount selected under the pilot and crew optional coverage
is not subject to this exclusion