Heart Shield 5

Heart Shield 5 is a whole life plan, with pure endowment at attainment of age 99. The premium payment term for this plan is 5 years. The minimum and maximum age at entry will be 31 days and 65 years, respectively.

Special Accident Rider (SAR)

SAR is an individual insurance rider which provides the following benefits:

• Death Benefit

  A level amount of insurance equal to the face amount of the basic policy, should death occur as a result of an accident (as defined in the contract) before the policy anniversary nearest the time the insured reaches age 65, or the termination of the basic plan, whichever comes first.

• Dismemberment Benefits

  in an amount equal to a percentage of the face amount, in case of an accident resulting in any of the following:

  Loss of life	100%
  Loss of entire sight of both eyes	100%
  Loss of both hands or both feet	100%
  Loss of one hand and one foot	100%
  Loss of either hand or foot & sight of one eye	100%
  Loss of arm at or above elbow	70%
  Loss of leg at or above knee	60%
  Loss of one hand at or above wrist	50%
  Loss of one foot at or above the ankle	50%
  Loss of hearing of both ears	50%
  Loss of sight of one eye	50%
  Loss of four fingers and thumb of one hand	40%
  Loss of four fingers	35%
  Loss of hearing of one ear	25%
  Loss of all toes on one foot	25%
  Loss of thumb	15%
  Loss of index finger	10%
  Loss of middle finger	6%
  Loss of ring finger	5%
  Loss of big toe	5%
  Loss of little finger	4%
  Loss of any toe, other than big toe, each	1%

• Double Indemnity

  The amounts payable above shall be doubled if the injury is sustained (a) while the Insured is a passenger in any public land transporatation; (b) while the Insured is riding in a regular passenger elevator; or (c) in consequence of the burning of any theater, hotel or public building in which the Insured is present

• Terminal Illness Benefit

  Defined as a non-curable medical condition that, with reasonable medical certainty, will result in the death of the insured in less than 12 months. Terminal Illness will not include any condition that resulted from any injury intentionally self-inflicted by the insured.

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