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LIFE
  1. Death by any Cause (1-5x MBL) (except Suicide in 1st yr.)
  2. Provoked Murder (in lieu of Life)
  3. Total & Permanent Disability (in lieu of Life)


PERSONAL ACCIDENT
  1. Death from Accident (Double Indemnity)
  2. Provoked Assault (in lieu of Accident)
  3. Long Schedule of Perm Disablements (1-100% MBL)


For Example: if MBL = 100k, then 1x MBL = 100k L&A. 

(100% Participation By Rank)