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.
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.
