If death occurs within the period from date of commencement of risk to 5 years before the date of expiry of policy term: Sum Assured + Vested Simple Reversionary Bonuses + Final bonus (if any) (policybazaar.com)
In case any insured member suffers from an Accidental Total and Permanent Disability *, the the Sum Assured as per the certificate of insurance shall be payable and the contract will continue on 2nd life till ATPD of 2nd life or expiry of policy term for that member whichever is earlier. (avivaindia.com)