River Town FCU
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ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

As a member of the Credit Union age 18 or older, you are eligible for $2,000 Accidental Death & Dismemberment Insurance. Premiums for this basic coverage will be paid by your credit union for the first year only. For more information, call 1-800-252-2148 and ask for the insurance desk. At the age of 70 coverage is reduced to $1,000.

There is a new enrollment opportunity if members want additional benefits for an extra charge, and premiums are deducted from their share accounts quarterly.

This summary explains in general terms the insurance described, but in no way changes or affects the insurance afforded under such Policy as actually issued. All coverages are subject to actual Policy conditions and exclusions. Each member participating in the plan will receive a Certificate of Insurance describing the exact coverage and benefits provided. The insurance is provided under Policy Series 6363.

Coverage Provided

When covered injury results in any of the following losses within one year from the date of the accident, the Company will provide, in one sum, the following amounts (reduced 50% at age 70):

Loss of life
$2,000
Loss of entire sight in one eye
$1,000
Loss of two members (hand, foot or eye)
$2,000
Loss of one hand or foot
$1,000
Loss of speech and hearing
$2,000
Loss of speech or hearing
$1,000
Loss of entire sight in both eyes
$2,000
Loss of thumb and index finger on same hand
$   500

The loss of a hand or foot means complete severance through or above the wrist or ankle joint; for thumb or index finger, it means complete severance through or above the metacarpophalangeal joints. The loss of sight of eye means irrecoverable loss of entire sight. The loss of speech means complete and irrecoverable loss thereof; for hearing it means complete and irrecoverable loss of hearing in both ears.

Who Is Eligible
All members of the Credit Union age 18 or over when applying are eligible for coverage. Every member of the Credit Union age 18 or over who completes and returns an enrollment form will be accepted.

Individual Terminations
As long as you remain a member of the Credit Union and the Master Policy remains in force, your coverage will be renewed. The Group Master Policy is renewable annually.

General Exclusions
The Master Policy does not cover any loss caused by or resulting from: suicide or self-destruction or any attempt thereat; declared war or any act of war; alcohol intoxication (does not apply in Minnesota) or being under the influence of any narcotic, drug or sedative, unless administered on the advice of a Physician (does not apply in Michigan); committing or attempting a felony or illegal act; riding in any aircraft or device for aerial navigation except as a passenger for transportation only (not as a pilot or crew member) in an aircraft certified as airworthy by the appropriate authority of the country of its registry.

To enroll contact us. For EOB call 1-800-252-2148