Accident Insurance

Limitations and Exclusions

We will not pay benefits for losses caused by or as a result of an insured person: Alcoholism or drug addiction; Descending from an airplane, except as a fare paying passenger on a scheduled or charter flight operated by a scheduled airline; War, or any act of war, whether declared or undeclared; Intoxicants and Narcotics: We are not liable for any loss sustained or contracted in the consequence of an insured person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician; Participating in a felony, riot or insurrection; Commission of or attempt to commit a felony or to which the contributing cause was the insured’s being engaged in an illegal occupation; Intentionally self-inflicting bodily injury or attempting suicide; Any loss incurred while on active duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no insurance is provided as a result of this exception.

Accidental Death and Dismemberment Rider:

We will not pay the Accidental Death and Dismemberment Benefit if the insured’s death or dismemberment is caused by or results directly or indirectly from the insured’s: Suicide or intentionally self-inflicted injury; Sickness, disease, physical or mental infirmity, pregnancy, or any other kind of illness, or any medical or surgical care, diagnosis, or treatment for such condition; Participation in a felony, riot or insurrection; Voluntary use of any drug, whether legal or illegal, unless administered in accordance with a physician’s advice and written instruction; Travel in or descent from any vehicle or device for aerial navigation, except as a fare paying passenger in an aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip; War or any act of war, whether declared or undeclared; Any loss incurred while on active duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no insurance is provided as a result of this exception; Participation in professional sports, including motor vehicle or boat racing.

Intoxicants and Narcotics:

We will not be liable for any loss sustained or contracted in consequence of the insured person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.

Illegal Occupation:

We will not be liable for any loss to which a contributing cause was the insured person’s commission of or attempt to commit a felony or to which a contributing cause was the insured’s being engaged in an illegal occupation.