1. intentionally self-inflicted Injury, suicide or any attempt thereat; 2. commission or attempt to commit a felony; 3. declared or undeclared war or act of war;
4. 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. 5) Under the Claim Provisions section, the following changes are made: a) The Time of Payment provision is replaced with the following: We will pay benefits due under this Policy for any loss other than a loss for which this Policy provides any periodic payment immediately upon Our receipt of due written or authorized electronic proof of such loss. Due proof of loss means all essential information needed to make a determination on the claim. Subject to due written or authorized electronic proof of loss, all accrued benefits for loss for which this Policy provides periodic payment will be paid monthly unless otherwise specified in the benefits descriptions and any balance remaining unpaid at We, at Our own expense, have the right and opportunity to examine the Covered Person when and as often as We may reasonably require while a claim is pending and to make an autopsy in case of death unless the law of the Covered Person’s religion forbids it. 6) Under the General Provisions section , the Incontestability provision is replaced with the following: This Policy All statements made by the Policyholder to obtain this Policy or to participate under this Policy are considered representations and not warranties. No statement will be used to deny or reduce benefits or be used as a defense to a claim, or to deny the validity of this Policy or of participation under this Policy unless a copy of the instrument containing the statement is, or has been, furnished to the Policyholder. After two years from the Policy Effective Date, no such statement will cause this Policy to be contested except for fraud. A Covered Person's Insurance All statements made by a Covered Person are considered representations and not warranties. No statement will be used to deny or reduce benefits or be used as a defense to a claim, unless a copy of the instrument containing the statement is, or has been, furnished to the claimant. the termination of liability will be paid immediately upon receipt of proof satisfactory to Us. b) The Physical Examination and Autopsy provision is replaced with the following: After three years from the Covered Person’s effective date of coverage, or from the effective date of increased benefits, no such statement will cause coverage or the increased benefits to be contested except for fraud or lack of eligibility for coverage. In the event of death or incapacity, the beneficiary or representative shall be given a copy. 7) Under the Term Life Rider the Suicide Exclusion is revised to remove the word ''insane''. Washington residents: 1) The following has been added to the first paragraph on the first page: Any conflict between the terms of the Certificate and the Policy will be decided in favor of the Certificate. 2) If the Policy provides coverage/benefits to a Spouse, a Domestic Partner will be afforded the same coverage/benefits
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