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This insurance provides Accidental Death and Dismemberment benefits in the event of a death or loss of life, limb, sight, speech, or hearing as the result of a covered accident.

What is not covered:
Insurance does not apply to any Accident, Accidental Bodily Injury or Loss when the United States of America has imposed any trades sanctions prohibiting the insurance, or there is any other legal prohibition against providing the insurance. In addition this insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly: 1) Loss occurring while an Insured Person riding as a passenger in, entering, or exiting any aircraft while acting or training as a pilot or crew member. This exclusion shall not apply to any passengers who temporarily perform pilot or crew functions in a life threatening emergency; 2) an Insured Person's emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. This exclusion does not apply to an Insured Person's bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria; 3) an Insured Person being incarcerated after conviction; 4) an Insured Person's commission or attempted commission of any illegal act including but not limited to any felony; (In MN: an Insured Person's commission or attempted commission of a felony or being engaged in an illegal occupation); 5) an Insured Person being intoxicated, at the time of an Accident. (In MN: an Insured Person being voluntarily intoxicated while driving a vehicle at the time of an Accident); Intoxication is defined by the laws of the jurisdiction where such Accident occurs; 6) an Insured Person being under the influence of any narcotic or other controlled substance at the time of an Accident. This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician; (In MN: an Insured Person being under the influence of any narcotics unless administered on the advice of a Physician); 7) an Insured Person participating in military action while in active military service with the armed forces of any country or established international authority. However, this exclusion does not apply to the first sixty (60) consecutive days of active military service with the armed forces of any country or established international authority; 8) an Insured Person's suicide, attempted suicide or intentionally self-inflicted injury; 9) a declared or undeclared War.