Hunting & Fishing
Sportsman's Insurance Coverage
(Only available in the states of Iowa, Michigan, Ohio, Texas, California, Washington, and Wisconsin)

Hunting and Fishing are lifetime recreational activities filled with enjoyment for the entire family. Yet without proper insurance protection, accidental injury while hunting or fishing can place an enormous financial burden on loved ones, spouse and/or children.

Many families have little or no medical insurance, and those who do have coverage may be required to meet large deductibles before their insurance pays any benefits. Don't be among the unfortunate who find out much too late their insurance benefits, especially for this line of recreation, are inadequate or nonexistent.

Benefits of the Francis L. Dean & Associates Sportsman Insurance Policy Include:

• Up to $50,000.00 of Accidental Death & Dismemberment Benefits
• Up to $5,000.00 of Accident Medical Expense Benefits
• Optional Weekly Disability Benefit of $100.00 Per Week

A. Principle sum benefits for Injury
If your injuries result in any of the losses listed below we will pay the benefit shown for that loss. The loss must result within 100 days after the accident happens.

Loss of	Benefit
Life	$50,000.00
Both Feet or Both Hands or Sight of Both Eyes	$50,000.00
One Hand and One Foot	$50,000.00
Either One Hand or One Foot and the Entire Sight of One Eye	$50,000.00
One Hand or One Foot or Sight of One Eye	$25,000.00

Loss of a hand or foot means severance at or above the wrist or ankle joint. Loss of sight means total and irrecoverable loss of sight.

If you suffer more than one loss from any one accident, we pay only one amount, the larger. Losses resulting from injuries that happen in separate accidents will be combined for the purpose of paying this benefit.

B. Medical Benefit for Injury
We will pay under this benefit up to $5,000.00. We will pay this benefit if injuries require you to be treated by a physician. We will pay for all reasonable expenses incurred within 52 weeks after the accident happens for any of the services listed below.

• Hospital charges for room and board and use of the operating room and emergency room.
• Fees of physicians.
• Medical expenses, in or out of the hospital, including:

  Laboratory Tests	Ambulance Service (to and from hospital)	Anesthetics (including administration of anesthetics)
  Medicines	Ray treatment	Appliances
  X-rays	Diathermy	Drugs
  Artificial Limbs and Eyes (excluding repair or replacement of these items)
  Transfusions	Therapeutics

• Charges of a licensed practical nurse (LPN) or registered nurse (RN) who is not a member of your immediate family.
• Charges for dental care and treatment of sound and natural teeth (including replacement of natural teeth). The services must be recommended and approved by the attending physician.

C. Accident Weekly Income
The amount of weekly benefit for accident weekly income is $100.00 per week.

(1) Total Disability: We will pay this benefit if, within 30 days after the accident happens, injuries result in the insured person's continuous disability. The benefit starts on the first day the insured person is totally disabled. We will pay 1/7 of the weekly benefit for disability for each day the insured person is totally disabled. But we won't pay for more than 26 weeks as the result of any one accident.

We will consider successive periods of total disability due to the same or related causes as one such period, unless interrupted by at least six months during which the insured person steadily performs all duties of his or her regular occupation. Then we will consider then separate periods of total disability.

EXCLUSIONS
We will not pay for losses due to:

1. intentionally self-inflicted injuries, suicide or any attempt at it, while sane or insane;
2. war or any act of war (declared or not);
3. injuries that happen while operating, learning to operate or serving as a crew member of any aircraft;
4. injuries that happen while driving or riding in a vehicle engaged in any race or speed contest;
5. injuries that happen while taking part in interscholastic, intercollegiate or professional athletics;
6. nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled;
7. hernia of any kind;
8. injuries that happen while you are engaged in any activity for a wage, gain, or profit;
9. heart attack of any kind;
10. injury or death, if at the of loss you were intoxicated or under the influence of any drug or narcotic unless the drug or narcotic was given by or prescribed by a Physician.