Benefit exclusions
Like any insurance, this life and AD&D insurance policy does have exclusions.
For life insurance, a suicide exclusion may apply.
For AD&D, benefits won’t be paid if death/dismemberment occurs as the result of:
- War, declared or undeclared, or any act of war.
- Intentionally self-inflicted injuries, while sane or insane
- Suicide, or suicide attempt, while sane or insane
- Active participation in a riot
- Committing or attempting to commit a felony
- Disease, bodily or mental illness, or medical or surgical treatment thereof
- Infections
- Controlled substances voluntarily taken, ingested, or injected unless prescribed or administered by a physician
- Serving on full-time active duty in the armed forces of any country or international authority
- The presence of alcohol in the covered person’s blood, which raises the presumption that the covered person was under the influence of alcohol and contributed to the cause of the accident.
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.
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