54Freedom.com Accidental Death Benefit
AGE BASED REDUCTIONS
| Age on Date of Loss | Percentage of Principal Sum |
| 70 through 74 | 65% |
| 75 through 79 | 45% |
| 80 through 84 | 30% |
| 85 and over | 15% |
EXCLUSIONS for Accidental Death Benefit:
Benefits will not be paid for:
- Normal health checkups;
- Dental care or treatment other than care of sound, natural teeth and gums required on account of Injury resulting from an Accident while the Covered Person is covered under this policy, and rendered within 6 months of the Accident;
- An Injury that is caused by flight in:
(a) An aircraft, except as a farepaying passenger;
(b) A space craft or any craft designed for navigation above or beyond the earth's atmosphere; or
(c) An ultra light, hanggliding, parachuting or bungicord jumping; - Travel in or upon:
(a) A snowmobile;
(b) Any two or three wheeled motor vehicle;
(c) Any offroad motorized vehicle not requiring licensing as a motor vehicle; - Any Accident where the Covered Person is the operator of a motor vehicle and does not possess a current and valid motor vehicle operator's license (except in a Driver's Education Program;
- Injury that is:
(a) The result of the Covered Person being Intoxicated ; or
(b) Caused by any narcotic, drug, poison, gas or fumes voluntarily taken, administered, absorbed or inhaled, unless prescribed by a doctor; - Preventive medicines, serums, vaccines;
- Treatment of acne, moles, or warts;
- Congenital conditions, birth defects, except as specifically provided in this Certificate;
- Blood or Blood plasma, except for charges by a Hospital for the processing or administration of blood;
- Elective treatment or surgery, health treatment, or examination where no Injury is involved;
- Injury sustained while in the service of the armed forces of any country. When the Covered Person enters the armed forces of any country, we will refund the unearned pro rata premium upon request;
- Eyeglasses, contact lenses, hearing aids, braces, appliances, or examinations or prescriptions therefore;
- For benefits other than the Hospital Confinement Benefit: Treatment in any Veterans Administration or Federal Hospital, except if there is a legal obligation to pay;
- Expenses for nervous or mental disease or disorders, except as specifically provided for in this Certificate;
- Routine gynecology or pap smears;
- Voluntary termination of pregnancy;
- Treatment of temporomandibular joint (TMJ) disorders involving the installation of crowns, pontics, bridges or abutments, or the installation, maintenance or removal of orthodontic or occlusal appliances or equilibration therapy;
- Cosmetic surgery, except for:
(a) Reconstructive surgery on a diseased or injured part of the body; or
(b) Congenital disease or abnormalities which cause a functional defect; - Routine medical care;
- For contraceptive methods, devices or aids; elective sterilization or its reversal; artificial insemination; or invitro fertilization, except as mandated by law;
- Any loss which is covered by state or federal worker's compensation, employer’s liability, occupational disease law, or similar laws;
- The repair or replacement of existing artificial limbs, orthopedic braces, or orthotic devices;
- Rest cures or custodial care;
- The repair or replacement of existing dentures, partial dentures, braces or fixed or removable bridges;
- Dental treatment or dental Xrays, except as otherwise provided, and only when Injury occurs to sound natural teeth;
- Expenses incurred for an Accident after the Benefit Period shown in the Schedule of Benefits;
- Personal services such as television and telephone or transportation;
- Orthopedic appliances which are used mainly to protect an Injury so that a covered student can take part in interscholastic or intercollegiate sports;
- Hernia of any kind; any bacterial infection (except bacterial infections that result from accidental ingestion of a contaminated substance or pyogenic infections which result from an accidental bodily injury) that was not caused by an Accidental cut or wound;
- Alcoholism or drug addiction unless provided for under this Certificate;
- Mental and nervous disorders unless provided for under this Certificate;
- Prescription medicines unless specifically provided for under this Certificate.
American Advantage Association – 54 Freedom
US030089
