Life and AD&D has worldwide geographic coverage, except for the excluded areas including Algeria, Angola, Chad, Democratic Republic of Congo, Ivory Coast, Liberia, Rwanda, Sierra Leone, Somalia, Sudan, Afghanistan, Iran, Iraq, and Palestinian territories and Israel.

Life

The life coverage pays benefits in the event of the insured person’s death prior to the retirement age or up to age 65.

Life will pay designated beneficiaries a lump sum benefit up to US$250,000 without medical evidence for loss of life due to sickness and accidents including murder and suicide.

Accidental Death & Dismemberment

The AD&D coverage pays benefits prior to the retirement age or up to age 65 provided that the death or dismemberment is caused by an accident.

AD&D will pay designated beneficiaries benefit according to AD&D schedule for loss of life and dismemberment due to accidents.

In case of dismemberment by accident the maximum benefit payable amounts to the Group Life benefit or $250,000 USD whichever is lower. The total compensation payable in respect of several disablements due to the same accident is arrived at by adding together the various sums, but shall not exceed 100% of the Capital Sum Insured.