Rider information:

Age at entry:	18-55
Premium Term:	premium payment term of the basic policy but not beyond the policy anniversary following age 60.
Benefit Term:	benefit term of the basic policy but not beyond the policy anniversary following age 60.

Rider benefits:
The Sum Insured of this rider is payable if the Life Insured is totally and permanently disabled. This amount is an acceleration payment of the base plan Sum Insured.
Please refer to the definition of Total and Permanent Disability

"Total and Permanent Disablement" means disablement of the Life Insured caused by bodily injury or disease which results in:

a) the complete incapacity of the Life Insured for an uninterrupted period of 6 months and at all times thereafter which, in the opinion of the Insurer after consideration of medical evidence satisfactory to it, will prevent the Life Insured from ever again engaging any gainful occupation, or

b) the Life Insured suffering:
   1) complete loss of both arms or both legs, or one arm and one leg, or
   2) total irrecoverable loss of sight of both eyes, or
   3) complete loss of one leg/arm and at the same time total irrecoverable loss of one eye.

If the Insured is wholly engaged in unpaid domestic duties at the time of the event causing Total Permanent Disablement then the above definition will be taken to include unpaid domestic duties. The Life Insured must be confined to home and continue to require regular medical treatment from a medical practitioner.