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Disabled or Disability

Where the Relevant Life Assured is insured on an own Occupation basis and the Relevant Life Assured is unable to perform the Insured Occupation as a result of accident or illness, or
where the Relevant Life Assured is insured on an Activities of Daily Work basis, and the Relevant Life Assured is unable to carry out at least three Activities of Daily Work as a result of accident or illness.
Where the Relevant Life Assured is aged over 65 and the Relevant Life Assured is unable to carry out at least three Activities of Daily Living as a result of accident or illness.