8. CLAIM PROVISIONS For other benefits, we will pay you if your Proof of claim is satisfactory to us, except in the following situations: · you are a minor. In such case, claim may be made by your duly appointed guardian, conservator or committee and we will pay to such person or persons; · due to physical or mental incapacity, you cannot, in our judgment, give us a valid receipt for payments. In such case, claim may be made as described above; or · you die before we pay you. In such case, claim may be made by your executor or the administrator of your estate and we will pay to such person or persons. If your beneficiary is a minor or is not competent, we have the right to pay up to $1,000 to the person or institution that appears to have assumed custody and main support for the minor, until the appointed legal representative makes a formal claim. If we pay benefits in good faith to a person or institution, we will not have to pay those benefits again. If we do not pay you and claim is not made by the appropriate person designated above, we may, at our option, make payments under either or both Methods A or B below. Any decision to pay any benefits, prior to the appointment of the appropriate person designated (as shown above), is solely at our discretion, and we may choose to pay no amounts under any circumstances until such appropriate person is formally appointed. Method A: We may pay up to the sum of $5,000 to any individual or entity we determine has incurred or paid expenses as a result of funeral services provided to or on your behalf. If we pay such a benefit, we will not have to pay that benefit amount again and the total benefit due under the Policy shall be reduced by the amount paid under this provision. Method B: We may pay the whole or any part of such benefit: · to your Spouse, up to a cumulative amount of $5,000; or · if you have no Spouse, up to a cumulative amount of $5,000 to any one or more of the following relatives in the following order of priority: · first, your child or children; · then, your mother or father. 16-AC-C-01 Page35