DISAPPEARANCE - PA

Risks : PA Notwithstanding anything contained herein to the contrary it is agreed that if after a period of ONE YEAR has elapsed and the Underwriters having examined all evidence available shall have no reason to suppose other than that an accident has occurred, the disappearance of a Life Insured shall be considered to constitute a claim under this Certificate. It is further agreed that if at any time after payment has been made a Life Insured if found to be living, any sums paid by the Underwriters in settlement of claim shall be refunded to them.