During the first two years of coverage
CAUSE OF DEATH	BENEFIT PAYABLE
Suicide	Refund of 100% of the premiums paid, without interest
Non-accident	Refund of premiums paid plus 10% per annum interest compounded annually
Accident	5X Life Benefit Amount

Following the first two years of coverage
CAUSE OF DEATH	AGE	BENEFIT PAYABLE
Suicide	No Limit	Life Benefit Amount
Non-accident	No Limit	Life Benefit Amount
Accident	Less than 85	5X Life Benefit Amount
Accident	Age 85+	Life Benefit Amount

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