Presumptive disability occurs when an insured suffers certain specified injuries or conditions which are deemed to be so severe that the person is presumed to be disabled, even if the "disability" does not result in a loss of earnings. of the conditions listed below, which are considered as presumptive. 1. Total and permanent loss of hearing 2. Total and irreversible blindness; 3. Loss of, or loss of use of, both arms or both legs or one arm and one leg. 4. Total and permanent loss of speech. Select one: a. 1, 2 & 3 b. 2, 3 & 4 c. All of the conditions are presumptive d. 1, 2 & 4

Presumptive disability occurs when an insured suffers certain specified injuries or conditions which are deemed to be so severe that the person is presumed to be disabled, even if the "disability" does not result in a loss of earnings. Of the conditions listed below, which are considered as presumptive. 1. Total and permanent loss of hearing 2. Total and irreversible blindness: 3. Loss of, or loss of use of, both arms or both legs or one arm and one leg. 4. Total and permanent loss of speech. Select one: a. 1.2&3