declared or undeclared war or act of war; a Covered Loss that results from active duty service in the military, naval or air force of any country or international organization. Upon Our receipt of proof of service, We will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days; any loss resulting from being Intoxicated or under the influence of alcohol or any drug, narcotic or other intoxicant or under the influence of a narcotic unless taken on the advice of a Physician. ''Under the influence of alcohol'' or ''Intoxicated'', for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Loss occurred; diagnosis not in accordance with generally accepted medical principles prevailing in the United States at the time of the diagnosis.
3) Under the Claim Provisions section, the following changes are made: a) The Physical Examination and Autopsy provision is replaced with the following:
We, at Our own expense, may examine the Covered Person for whom claim is made as often as reasonably necessary while a claim is pending and, in the case of death of the Covered Person, We, at Our own expense, also may have an autopsy performed during the period of contestability unless prohibited by law. The autopsy must be performed in South Carolina. b) The Legal Actions provision is replaced with the following: No action at law or in equity may be brought to recover under this Policy less than 60 days after written or authorized electronic proof of loss has been furnished as required by this Policy. No such action will be brought more than six years after the time such written proof of loss must be furnished.
4) Under the General Provisions section, the following changes are made: a) The Entire Contract; Changes provision is replaced with the following:
This Policy, including the endorsements, amendments, group application form if any and any attached papers constitutes the entire contract of insurance. No change in this Policy will be valid until approved by one of Our executive officers and endorsed on or attached to this Policy. No agent has authority to change this Policy or to waive any of its provisions. b) The Policy Termination provision is amended to include the following as last paragraph: However, if the premium is to be collected in weekly, monthly, or other periodic installments by authority of a payroll deduction order executed by the Employee and delivered to Us or the Employer authorizing the deduction of premium installments from the Employee’s salary or wages, We may not, during the period for which the Policy is issued and while the Employee remains employed by the authorized Employer, declare forfeited or lapsed the Policy until and unless a written or printed notice of the failure of the Employer to remit the premium or installment thereof, stating the amount or portion thereof due on the Policy and to whom it must be paid, has been duly addressed and mailed to the Employee who is insured under the Policy at least fifteen days before the Policy is terminated or lapsed. South Dakota residents: 1) Under the General Definitions section, the following changes are made: The Physician definition is replaced with the following: Physician A licensed health care provider practicing within the scope of His license and
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