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Published by Barbara Scott

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Published by: Barbara Scott on Aug 26, 2013
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losswithinthetimelimitstatedintheProofsofLossSection. (6)PROOFSOFLOSS:Ifthepolicyprovidesforperiodicpaymentforacontinuingloss,written proofoflossmustbegivenCombinedwithin
90
daysaftertheendofeachperiodforwhichCombinedis liable.Foranyotherloss,writtenproofmustbegivenwithin
90
daysaftersuchloss. Ifitwasnotreasonablypossibletogivewrittenproofinthetimerequired,Combinedshallnotreduceor denytheclaimforthisreasoniftheproofisfiledassoonasreasonablypossible.Inanyevent,theproof requiredmustbegivennolaterthan
1
yearfromthetimespecifiedunlesstheclaimantwaslegally incapacitated.
(7)
TIMEOFPAYMENTOFCLAIMS:Afterreceivingwrittenproofofloss,Combinedwillpay monthlyallbenefitsthenduetheInsuredfordisability. BenefitsforanyotherlosscoveredbythispolicywillbepaidassoonasCombinedreceivesproper writtenproof.
(8)
PAYMENTOFCLAIMS:BenefitswillbepaidtotheInsured.Lossoflifebenefitsarepayable inaccordancewiththebeneficiarydesignationineffectatthetimeofpayment.Ifnoneisthenineffect, thebenefitswillbepaidtotheInsured'sestate.Anyotherbenefitsunpaidatdeathmaybepaid,at Combined'soption,eithertotheInsured'sbeneficiaryorestate.
(9)
PHYSICALEXAMINATIONS:CombinedatitsexpensehastherighttohavetheInsured examinedasoftenasreasonablynecessarywhileaclaimispending.
(10)
LEGALACTIONS:Nolegalactionmaybebroughttorecoveronthispolicywithin
60
daysafterwritten-proofoflosshasbeengivenasrequiredbythispolicy.Nosuchactionmaybebrought after
3
yearsfromthetimewrittenproofoflossisrequiredtobegiven.
-(ll)
-e0NF0R-MI'f-Y--WI'FHSTATESTATB'fES:-Any-pTovisiorn,f---this-policrwhich,onits effectivedate,isinconflictwiththelawsofthestateinwhichtheInsuredresidesonthatdateisamended
toconformtotheminimumrequirementsofsuchlaws.
(12)
CHANGEOFBENEFICIARY:TheInsuredcanchangethebeneficiaryatanytimebygiving Combinedwrittennotice.Unlessirrevocablydesignated,thebeneficiary'sconsentisnotrequired.
GENERALPROVISIONS
A.Thispolicybecomeseffectiveonthedateissued,at
12:01
A.M.,StandardTime,attheplace whereyoureside.Thispolicyisissuedforyourlifetime.Combinedcannotcancelthispolicyorincrease thepremium.Itcontinuesinforcesolongaspremiumispaidonorbeforetheduedateorwithinthe graceperiod.B.Thispolicyisissuedinconsiderationofthefirstpremiumpaidinadvance.Ifpaymentofthe firstpremiumismadebycheckordraftnothonored,thepolicyshallbevoid. ThispolicyisissuedbyCOMBINEDINSURANCECOMPANYOFAMERICA.Itshallnotbebindingon Combinedunlessthepolicyhasbeencountersignedbyourauthorizedagent.
'J{.,U~
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~,{~r~~~
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