CMFAS PGI Personal Accident Insurance question: PA policy contains a disappearance clause

CMFAS PGIPersonal Accident Insurance

A PA policy contains a 'disappearance' clause. What does it typically provide?

A That any insured reported missing is presumed dead immediately and the benefit paid at once
B That death may be presumed if the insured vanishes in an accident and stays missing for a stated period
C That all premiums paid are refunded to the insured's estate if they go missing for a stated period
D That the policy is cancelled if the insured travels to a country the insurer has not approved

Show the answer and explanation

Answer: B. That death may be presumed if the insured vanishes in an accident and stays missing for a stated period

A disappearance clause allows the death benefit to be paid where the insured vanishes in circumstances suggesting accidental death and is not found after a stated period (often subject to a refund undertaking if later found alive).

Common mistake

Presumption of death arises only after the stated period and appropriate circumstances, not immediately.

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CMFAS PGI Personal Accident Insurance question: PA policy contains a disappearance clause

Answer: B. That death may be presumed if the insured vanishes in an accident and stays missing for a stated period

Common mistake

Related CMFAS PGI questions

CMFAS PGI Personal Accident Insurance question: PA policy contains a disappearance clause

Answer: B. That death may be presumed if the insured vanishes in an accident and stays missing for a stated period

Common mistake

Related CMFAS PGI questions