STANDARD EXCLUSIONS

STANDARD EXCLUSIONS

1) Suicide Exclusion - If the insured commits suicide within two years of the policy issue date, the death benefits will not be paid. Instead, the beneficiary will receive the refunded premiums.

2) War Exclusion - If the insured dies as a direct result of war, the death benefit will not be paid. Instead, the beneficiary will receive the refunded premiums plus interest.

3) Aviation Exclusion - If the insured is a private pilot or member of the crew, the death benefit will not be paid if the insured dies in an air accident. Instead, the beneficiary will receive the premiums with interest. You might purchase an aviation rider which will remove this exclusion.