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A
sap
a
r
en
t,
you
rr
ol
ei
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sl
i
fei
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ut
mos
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ua
rd
i
an
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vi
so
r,
men
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or
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r
ie
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omp
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on, 3
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el
f
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nf
l
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I
nj
ur
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nt
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f
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l
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ur
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ri
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r
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nc
ondi
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ll
ov
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nse
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it
yt
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ty
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h
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i
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ac
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ri
mi
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:L
if
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if
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r
andC
i
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lCo
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mot
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War
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va
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io
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t
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it
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whe
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h
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l
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,
ci
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,
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i
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SBI
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our
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sse
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h
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6
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a
ti
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The
rad
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ur
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mpI
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ro
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vi
at
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on:
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fea
s
s
ur
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r
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i
ci
pat
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t
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he
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b
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m
ar
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Ch
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az
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p
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mes
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ak
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ci
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on4
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e
an
dbe
l
i
efo
rt
h
att
he
r
ewas
n
od
el
i
ber
a
tei
nt
en
t
io
nt
os
up
pr
es
sth
ef
ac
to
r
th
at
i
ns
ta
ll
ment
(
s)
,i
fan
y
,w
i
ll
not
ber
e
qu
ir
e
dto
b
epai
dun
d
er
th
epol
i
cy.
The
p
ol
i
cyc
o
nt
in
u
es
t
oacc
r
u
ebo
n
us
e
s,
if s
u
chmi
s-
st
at
emen
t
ors
up
pre
ss
i
ona
rew
it
hi
nth
ekn
ow
l
edg
eo
ft
he
in
sur
e
r.
Inc
a
se
o
ff
rau
d,
th
e o
n
uso
fd
i
spr
ov
i
ngl
i
esu
po
nt
he
a
ppl
i
cabl
e. b
e
nef
i
ci
ar
i
es
,i
ncas
e
th
epo
li
cy
ho
l
der
i
sno
tal
i
ve.

S
Øma
r
tBe
n
ef
i
t:
Du
ei
ns
ta
l
l
men
t
(
s)
of
Sma
r
t
Ben
e
f
i
ts
ar
ep
ay
a
bl
e.
Te
rm
i
na
lb
on
u
s
,i
fa
ny
,
wi
l
lbe
p
ai
dal
on
gw
i
t
hth
e
l
as
t I
nca
s
eo
fr
ep
ud
i
at
i
ono
ft
h
epo
l
i
cyon
t
heg
ro
u
nd
of
mi
ss
ta
te
me
n
tors
u
pp
res
s
io
no
f
ama
t
e
ri
al
fa
ct
,
and
n
ot
on
th
e
gr
o
und
s
of
f
ra
ud
,
t
hep
r
e
mi
ums
co
l
le
ct
ed
on
th
ep
ol
i
cyt
i
l
lt
he
da
t
eo
fr
e
pud
i
at
i
ons
h
al
l
bep
ai
d.
i
ns
ta
l
l
men
t
of
Sma
r
tB
ene
f
i
ts
.
No
th
i
ngi
nt
hi
sse
c
ti
ons
ha
ll
pre
ven
t
th
ei
ns
ur
e
rfr
o
mca
ll
i
ngf
o
rpr
oo
fo
f
age
a
ta
ny
ti
mei
fh
ei
sen
t
i
t
le
dt
od
os
o
,a
ndn
opo
l
i
cys
hal
l
be
?O
p
ti
ont
op
ay
o
ne
-t
i
mepr
e
mi
um(
Si
ng
le
Pr
e
mi
umP
o
l
i
cy?
S
PP
ol
i
cy)
orl
i
mit
e
dpr
e
mi
um(
Li
mi
te
dP
r
e
mi
umP
a
y
me
n
tT
e
rm d
eem
edt
o b
eca
l
l
edin
que
st
io
n m
er
e
ly
bec
aus
et
he
te
rms
oft
h
epo
l
i
cya
r
ea
dj
us
ted
ons
ubs
e
que
n
tp
ro
o
ft
h
att
h
eag
eof
th
eli
f
e
P
o
l
ic
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PPT
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ol
i
cy)
. i
ns
ur
e
dwasi
nc
or
r
ect
l
yst
a
tedi
nt
he
pr
op
osa
l
.
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ti
ont
or
ec
e
iv
et
h
edi
sco
unt
e
dval
ueo
f
t
hef
ut
u
red
u
ei
ns
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l
l
men
t
(
s)
of
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r
t
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e
f
i
ts
pl
ust
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ete
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mi
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lb
on
u
s
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fa
ny
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i
na F
o
rc
o
mp
l
et
ed
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ai
l
soft
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t
i
ona
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ede
f
i
ni
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o
f?
d
at
eo
fp
ol
i
cy?
,
pl
ea
se
r
ef
e
rSe
c
t
i
on4
5
of
th
eI
ns
ur
a
nc
eA
c
t
,1
93
8
,a
s
l
umps
uma
mou
nt
du
ri
ngl
as
t3
pol
i
cyye
a
r
s. a
m
en
d
ed
f
r
omt
im
et
o t
i
me.
N
ot
e:
Th
is
do
c
u
men
t
do
es
no
t
pur
p
or
tt
oc
on
ta
in
al
l
con
d
i
ti
on
sg
o
v
er
n
in
gt
h
is
pr
o
du
ct
.
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ec
o
nt
r
ac
tw
i
l
lbe
g
ov
e
rn
e
db
y
t
h
et
er
mse
xp
r
e
ss
ed
i
nt
he
po
l
i
cyd
o
cu
men
t.

2 1
1
T
a
xB
e
ne
f
i
t
s B
e
n
ef
i
tp
ay
a
bl
eon
o
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rr
e
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ur
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e
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oua
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om
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ts
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x
emp
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er
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l
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l
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ome
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i
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nd
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cha
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ub
j
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nt
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eeve
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de
at
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rA
T
PD
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whi
ch
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e
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l
i
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l
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e
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ef
o
ll
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e
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i
t
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ep
ay
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e,
f
r
omt
i
met
oti
me.
You
may
vi
si
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urw
eb
si
t
efo
r
f
ur
t
he
rd
e
ta
i
l
s:h
t
tp
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/
/ww
w.s
bi
l
i
fe.
c
o.
in
/s
b
il
if
e
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on
te
nt/
2
1_
36
72#
5
.Pl
ea
se p
ro
vi
ded
t
he
po
li
cyi
si
n-
fo
r
ce
:
c
on
su
l
tyo
urt
axa
dv
i
sor
f
or
det
ai
l
s.
?A
l
ump
s
um
a
mo
u
n
ti
mme
d
i
at
el
y:

D
e
a
th
/
A
TPD
o
fN
o
mi
ne
eC
h
i
l
d F
Øo
r
SP
Po
l
i
cy:
Th
ea
m
ou
n
to
f
be
ne
f
i
ti
st
he
?s
u
ma
ss
u
r
ed
on
i
ns
ur
e
dev
e
nt
?
.
W
h
e
re?s
umas
s
ur
e
don
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ns
ur
e
dev
e
nt
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shi
ghe
r
of
ba
si
csu
ma
s
s
ur
e
dor
amu
l
t
ipl
eof
si
ngl
epr
e
mi
um;
whe
r
e
?N
o
con
ti
ng
entb
e
ne
f
it
sa
re
a
vai
l
abl
eon
d
ea
t
h
/A
TP
D
or
su
r
vi
va
lo
ft
h
eno
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i
ne
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h
i
l
d.H
ow
e
v
er
,
in
ca
s
eo
f
de
at
h
/A
TP
D
of
m
u
l
t
ipl
ei
s:
n
o
mi
ne
echi
l
ddu
r
in
gt
h
epo
l
i
cyt
er
m,
P
o
l
i
cyT
e
r
mAg
e
at
en
tr
yo
fL
i
f
eAs
s
ur
ed A
g
ea
t
en
tr
yo
fL
i
f
eAs
su
r
ed
ØI
f
the
p
ol
i
cyh
o
l
de
rh
a
sa
l
r
ead
y
di
ed
,t
h
ef
ut
u
re
du
e
i
ns
ta
l
l
men
t
(
s)
of
Sma
r
t
Ben
e
f
i
ts
ar
ep
ay
a
bl
et
ot
he
be
n
e
fi
ci
ar
y. l
es
st
ha
n45
yea
r
s 4
5y
ea
rs
or
mor
e
ØI
f
the
p
ol
i
cyh
o
l
de
rs
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r
vi
ve
s,
he
/s
h
ec
a
no
p
tt
oc
on
t
i
nu
e/
d
is
co
n
t
i
nu
et
h
epo
l
i
cy.
A
l
l
ter
ms 1
.
2
5 1
.
1
0

E
x
c
lu
s
io
n
s F
Øo
r
LP
PT
:
Th
ea
m
ou
n
to
f
be
ne
f
i
ti
ssu
m
as
s
ur
e
don
i
ns
ur
e
dev
e
nt
.
W
h
er
e s
u
ma
ss
ure
d
on
ins
ur
ed
ev
e
nti
shi
ghe
r
of
ba
si
csuma
s
su
re
d
ora
mu
l
t
ipl
eof
an
nu
a
l
i
sed
p
r
em
i
um*
or
10
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N
ocon
ti
ng
en
t
ben
ef
i
twi
l
lbe
p
ai
di
nr
es
pe
c
t
of
an
yc
o
nd
i
t
io
na
r
i
si
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i
r
ect
l
yor
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r
ect
l
yf
ro
m,
t
hr
ou
gh
o
ri
nco
n
s
eq
u
en
c
eo
f
t
he
o
f
al
l
the
p
re
mi
ums
p
ai
dt
il
l
the
d
at
eo
foc
cur
re
n
ce
oft
h
e i
ns
ur
e
dev
e
nt
.
f
o
ll
owi
nge
xc
l
us
io
n
san
dres
t
r
i
ct
io
ns
:
w
h
e
r
em
ul
t
ipl
ei
s:
E
x
c
lu
s
io
n
s P
o
l
i
cyT
e
r
mAg
e
at
en
tr
yo
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i
f
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s
ur
ed A
g
ea
t
en
tr
yo
fL
i
f
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su
r
ed
l
es
st
ha
n45
yea
r
s 4
5y
ea
rs
or
mor
e
N
oco
nt
i
nge
nt
be
nef
i
twi
l
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p
ai
di
n r
e
sp
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to
f
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o
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t
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r
is
i
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ect
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ect
l
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ro
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t
hro
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gh
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ri
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s
eq
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en
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eo
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t
h
ef
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l
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nge
x
cl
us
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e
st
ri
ct
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ons
: 8
a
nd
9
ye
a
r
s 5 5
1
0
ye
a
r
so
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re 1
0 7
?
Su
i
ci
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x
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lu
s
io
n
S
P
&L
P
PT
P
ol
i
cy: *
A
nn
ual
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sed
p
re
mi
umi
sth
e
pr
em
i
umpa
ya
bl
ei
nay
e
ar
,
ex
cl
udi
ngs
e
r
vi
cet
a
x,c
e
ss
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he
un
d
er
wr
i
t
in
ge
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ra
pr
e
mi
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a
nd
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oad
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gs
f
or
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al
pr
em
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if
an
y.
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f
the
l
i
fea
ss
ure
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mmi
t
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ci
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i
t
hi
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ear
f
rom
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her
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skc
om
me
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e
nt
da
te
,
whet
h
ers
a
ne
or
in
sa
n
eat
t
hatt
i
me,
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u
tu
re
pr
emi
umi
ns
ta
l
l
men
t
s
(s
)d
ue
,
ifa
ny
,
ar
er
eq
ui
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edt
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p
ai
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he
p
ol
i
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o
nt
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nue
s
to
ac
c
r
ue
bo
n
us
e
s,
t
hep
o
li
cyw
il
lb
ev
oi
dan
dnodea
th
b
ene
fi
twi
l
lbe
pay
a
bl
e.
How
ev
e
r,
anam
ou
n
te
qu
al
to8
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ft
h
epre
m
iu
msp
ai
d wi
l
l
i
fa
pp
l
ic
ab
l
e.
b
epa
ya
bl
et
o t
he
no
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f
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ci
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it
hi
non
e
ye
arf
r
omt
h
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o
mm
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ce
ment
da
te
p
ro
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ded
t
he
po
li
cyi
si
n-
f
or
ce
. ?D
ue
i
ns
ta
l
l
men
t(
s)
ofS
ma
r
t
ben
e
f
i
ts
ar
ep
ay
a
bl
e.
Ter
mi
na
lb
on
u
s
,i
fan
y
,
wi
ll
bep
a
i
dal
ong
w
it
ht
he
la
s
ti
ns
ta
l
l
men
t
of
S
ma
r
tBe
n
ef
it
s
.
L
P
PT
P
ol
i
cy:
I
nca
se
of
sui
ci
dewi
t
hin
on
ey
ea
r
fr
o
m t
he
da
teo
f
re
vi
va
l/
re
i
nst
at
e
men
t
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0%
o
ft
h
epr
e
mi
ums
p
ai
dor
t
hes
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r
re
n
de
r B
e
n
ef
i
tp
ay
a
bl
eon
s
ur
v
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a
l
v
al
ue
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hi
ch
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eri
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r
,w
i
l
lbe
p
ay
a
bl
epr
ov
i
ded
t
h
epol
i
cyi
si
n-
fo
r
ce
.
Y
ouw
il
lr
ec
ei
vet
h
eSma
r
t
Ben
e
fi
t
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me
n
ti
one
d
i
nth
e
ke
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a
t
ur
e
s.
Te
rm
i
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on
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s
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fa
ny
,
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ll
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a
i
dal
ong
w
it
ht
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l
as
t
T
h
ep
r
e
mi
umw
o
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l
dex
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l
ude
s
er
v
ic
et
a
xan
d
ce
s
s,
i
fa
ny
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ns
ta
l
l
ment
of
Sma
rt
Be
ne
f
i
ts
.
?
AT
PD
E
x
cl
us
io
n
s
T
he
Ac
c
i
den
t
a
lT
ot
a
la
ndP
er
ma
nen
t
Di
sa
bi
l
i
ty(
AT
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en
e
f
i
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l
not
be
pay
a
bl
ei
nca
s
eo
f
ac
ci
den
t
ar
i
si
ngf
r
omo
r
du
et
o
t
h
eco
n
s
eq
ue
nc
es
of
or
oc
cu
r
ri
ngd
u
r
i
ngth
ee
ve
nts
a
ss
pe
c
i
fi
edbe
lo
w.
1
)I
nf
ec
t
io
n:
Dis
a
bi
l
i
tyc
a
us
ed
or
con
t
r
ib
ute
dt
ob
ya
n
yi
nf
ec
t
io
n,
ex
ce
p
tw
h
er
et
h
ei
nf
ec
t
io
ni
sca
u
s
ed
by
a
ne
xt
e
rn
al
a
ndv
is
i
bl
ewo
un
dac
c
i
den
t
a
ll
ysu
s
t
ai
ne
d.
2
)D
ru
gA
bus
e
:Li
f
e A
ss
ur
ed
is
und
er
th
ein
f
l
uen
ce
o
fA
l
coh
o
lo
rs
o
l
ve
nt
ab
us
e
or
us
eo
f
dr
ug
se
x
c
ep
tu
n
de
r
th
e
d
i
re
ct
i
ono
f
ar
egi
st
er
e
dme
di
ca
lp
r
ac
ti
t
ion
e
r.

1
0 3
O
p
t
i
ont
or
ec
ei
vel
umpsu
m
amo
u
nti
nli
euo
f P
o
l
i
cyL
o
an
s
S
m
ar
t
Be
nef
i
t
s?i
ns
tal
l
men
t
sd
ur
i
ngl
as
t3po
l
i
cyy
e
ar
s
I
nsi
t
uat
i
ons
o
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S
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r
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e
x
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l
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r
end
e
rval
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ve
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by
4
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h
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e
st
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ve
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ona
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e
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ay
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nf
our
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er
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it
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as
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ll
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t
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R
i
de
rs 5
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l
l
the
p
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re
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ai
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ti
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T
h
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b
ei
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f
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un
d
e
rt
h
is
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o
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t
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8 5
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l
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r
e
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ai
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e
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re
fe
r
en
cesto
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e a
rea
geaso
nl
as
tb
i
rt
hd
ay
.
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ns
ta
l
lme
nt
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s)
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oft
h
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mas
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e
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to
nl
y,
of
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tben
ef
i
t
sal
r
ead
ypa
i
d.
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cpr
em
iu
mi
seq
ua
lt
ot
ot
al
pre
mi
uml
es
s
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im
umag
gr
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eb
asi
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m as
su
re
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li
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vi
dua
l
pol
i
ci
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nd
er
t
hi
spr
o
duc
t.
s
erv
i
cet
a
xan
d c
e
ss
,un
de
rwr
i
t
in
gext
r
apr
emi
ums,i
fan
y
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eGSV
fa
ct
or
s w
il
lde
p
en
dont
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epol
i
cyy
ear
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nt
he
#3Mon
t
hsp
re
m i
umt
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idi
nad
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ce
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dr
ene
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prem
iu
mpay
men
tt
h
ro
ugh
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tr
on
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ri
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em(
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ng
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ns
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uct
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ons
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ymen
ti
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i
th
er
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di
re
ct
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tof
ban
kac
co
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to
rc
re
di
tca
r
d]
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urr
e
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rr
e
que
st
i
sma
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orMon
th
ly
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la
rySa
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on
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re
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di
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va
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ne
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lp
remi
ump
a
ym
ent
is
al
l
owe
donl
yt
hr
o
ugh
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al
aryD
edu
ct
i
on

6 7
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h
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8 5
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o t
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omo
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ai
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ru
gA
bus
e
:Li
f
e A
ss
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l
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o
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th
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d
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i
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ar
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dme
di
ca
lp
r
ac
ti
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r.

1
0 3
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sap
a
r
en
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you
rr
ol
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nyo
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hil
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sl
i
fei
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mos
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an
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men
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ur
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e u
nc
ondi
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it
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if
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l
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nce
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tai
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ent
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ee
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r
andC
i
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lCo
m
mot
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va
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os
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it
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,
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,
re
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l
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r
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our
ch
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t
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a
ti
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i
oac
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ur
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uel
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ro
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vi
at
i
on:
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fea
s
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e
dpa
r
t
i
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t
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ap
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b
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m
ar
t
Ch
am
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r
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az
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rd
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s s
p
or
t
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d
pa
s
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mes
:T
ak
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r
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ci
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o
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y
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z
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mar
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ampI
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n-
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a
t
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e-
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as
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e p
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nad
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on4
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I
ns
ur
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c
t
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e
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omt
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at
e
s:
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ect
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e p
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r
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er
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ar
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t,
2n
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r
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r
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Se
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on4
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r
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1
8
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e
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.Apol
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if
ei
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beca
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est
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i
mewi
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sf
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m
art
Be
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s.T
hi
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es
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ld
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gh
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u
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need
sar
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ed
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ump
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on
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he
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ve
nt
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oi
ns
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ll
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an
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fr
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en
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ty
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th
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u
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S
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ama
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,
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ra
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t
hep
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ene
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i
ts
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o
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d
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,
pl
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ef
e
rSe
c
t
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on4
5
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ns
ur
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nc
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,1
93
8
,a
s
l
umps
uma
mou
nt
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ri
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as
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pol
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r
s. a
m
en
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omt
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me.
N
ot
e:
Th
is
do
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u
men
t
do
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no
t
pur
p
or
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on
ta
in
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l
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o
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o
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ss
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nt
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po
l
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cyd
o
cu
men
t.

2 1
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