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  5. 821 P.2d 1119 (1991)
 

SANDERS v. OR. PACIFIC STATES INS. CO.

89-08-32835; CA A65627.

821 P.2d 1119 (1991)

110 Or.App. 179

Randall E. SANDERS, Respondent, v. OREGON PACIFIC STATES INSURANCE COMPANY, Appellant.

Court of Appeals of Oregon.

Decided December 11, 1991.

Attorney(s) appearing for the Case

I. Franklin Hunsaker, Portland, argued the cause, for appellant. With him on the briefs were Chrys A. Martin, Lori R. Metz and Bullivant, Houser, Bailey, Pendergrass & Hoffman, Portland.

Roland W. Johnson, Enterprise, argued the cause, for respondent. With him on the brief was Kirby, Johnson & Chrisman, Enterprise.

Jeffrey C. Carey, Standard Ins. Co., Portland, and Richard E. Barnsback, Phillip E. Stano, David M. Leifer, American Council of Life Ins., Washington, D.C., filed a brief amici curiae.

Before RICHARDSON, P.J., JOSEPH, C.J., and DEITS, J.

RICHARDSON, Presiding Judge.

Plaintiff is the beneficiary of Shannon Sanders, who was an insured under a group insurance policy issued by defendant insurer. The policy contained a term life benefit of $10,000 and, under a separate coverage schedule for accidental death, dismemberment and loss of sight, it also insured Shannon for an additional $10,000 in case of accidental death. On April 1, 1989, she changed jobs and ceased to be eligible for inclusion in the group...

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