Other Important Plan Provisions
Life The Disability Benefit, the Accelerated Benefit, Automobile Accident Benefit, Higher Education Benefit, and portability all have limitations or exclusions. For insureds or dependents who commit suicide within the first year after the effective date of their coverage, the only benefit amount payable is a refund of the amount of the insured’s contributions. For insureds or dependents who commit suicide within the first year after the insured elects an increase in coverage, the benefit amount for the increase will be limited to the amount of the insured’s contributions for the increase. This limitation applies to any contributory insurance. Life insurance coverage amounts will reduce by 33 percent at age 70. The amounts will be rounded to the next higher $10,000, if not an exact multiple of $10,000. The reduced amount will be further reduced an additional 33 percent at age 75, similarly rounded. In the case of Accidental Death and Dismemberment, we will not pay benefits if the loss results directly or indirectly from war or any act of war, whether declared or not; taking part in a riot or insurrection, or an act of riot or insurrection; service in the armed forces of any country, combination of countries or international organization at war, whether declared or not; any physical or mental disease; any infection, except a pyogenic infection that occurs from an accidental wound; assault or felony committed by the covered person or covered dependent; suicide or attempted suicide while sane or insane; intentionally self-inflicted injury while sane or insane; the use of any drug, unless it is used as prescribed by a doctor; or the covered person’s or covered dependent's intoxication, including but not limited to operating a motor vehicle while intoxicated.
State variations can exist; please contact Sun Life Financial for additional information.
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