A64000 SERIES – WHOLE & TERM LIFE

Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Coverage may not be available in all states. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.

In Arkansas, Policies A64100AR, A64200AR, A64300AR, and A64500AR. In Oregon, Policies A64100OR, A64200OR, A64300OR, and A64500OR. In Idaho, Oklahoma, Pennsylvania, Texas, and Virginia, Policies ICC64100, ICC64200, ICC64300, and ICC64500. Policies may not be available in all states. Limitations and exclusions may apply. Benefits are determined by state and plan level selected.

A64000 SERIES – WHOLE LIFE ONLY

AZ Limitations and Exclusions

Limitations and Exclusions for residents of Arizona:

The Accidental-Death Benefit Rider will not be payable if your death results from or is caused by your:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not; being incarcerated in any type penal institution; or participating in a riot;
3. Being exposed to war or any act of war, declared or undeclared;
4. Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve;
5. Participating in any hazardous activities to include sky diving, scuba diving, hang gliding, motorized vehicle racing, cave exploration, bungee jumping, parachuting, or mountain or rock climbing;
6. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
7. Having any infirmity, illness, or disease, including a bacterial infection, or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis for any infirmity, illness, or disease;
8. Participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a physician and taken according to the physician’s instructions) or while intoxicated;
9. Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a physician and taken according to the physician’s instructions), or voluntarily taking any kind of poison or inhaling any kind of gas or fumes.

A64000 SERIES –TERM LIFE ONLY

AZ Limitations and Exclusions

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if you or anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider Effective Date. Benefits will be limited to a refund of all premiums paid, less any indebtedness. The following information only applies to the Waiver of Premium Benefit and the Accidental-Death Benefit Rider:
The Waiver of Premium Benefit will not waive premiums if the total disability is due to intentional self-inflicted injury, while sane or insane, or insurrection or war, declared or undeclared, or any act incident thereto.

The Accidental-Death Benefit Rider will not be payable if your death results from or is caused by your:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not; being incarcerated in any type penal institution; or participating in a riot;
3. Being exposed to war or any act of war, declared or undeclared;
4. Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve;
5. Participating in any hazardous activities to include sky diving, scuba diving, hang gliding, motorized vehicle racing, cave exploration, bungee jumping, parachuting, or mountain or rock climbing;
6. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
7. Having any infirmity, illness, or disease, including a bacterial infection, or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis for any infirmity, illness, or disease;
8. Participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a physician and taken according to the physician’s instructions) or while intoxicated;
9. Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a physician and taken according to the physician’s instructions), or voluntarily taking any kind of poison or inhaling any kind of gas or fumes.

A64000 SERIES – WHOLE LIFE ONLY

ID Limitations and Exclusions

Limitations and Exclusions for residents of Idaho:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, the Waiver of Premium Benefit Rider, and the Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid if you or your physician resides outside the United States of America or outside the territorial limits of the place where the policy was issued; if you are required by law to accelerate benefits to meet the claims of creditors; if a government agency requires you to apply for benefits to qualify for a government benefit or entitlement; or if the policy is being continued as reduced paid-up life insurance or extended-term life insurance.

The Waiver of Premium Benefit will not waive premiums if the total disability is due to intentional self-inflicted injury, while sane or insane, or war, declared or undeclared, or any act incident thereto.

The Accidental-Death Benefit Rider will not be payable if your death results from or is caused by your:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not; being incarcerated in any type penal institution; or participating in a riot;
3. Being exposed to war or any act of war, declared or undeclared, or being involved in a special hazards incident while serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian noncombatant unit serving in such units;
4. Participating in any hazardous activities to include sky diving, scuba diving, hang gliding, motorized vehicle racing, cave exploration, bungee jumping, parachuting, or mountain or rock climbing;
5. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
6. Having any infirmity, illness, or disease, including a bacterial infection, or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis for any infirmity, illness, or disease;
7. Intoxication as defined by the jurisdiction where the accident occurred;
8. Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions, or poison, gas, or fumes, unless a direct result of an occupational accident.

A64000 SERIES – TERM LIFE ONLY

ID Limitations and Exclusions

Limitations and Exclusions for residents of Idaho:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid if you or your physician resides outside the United States of America or outside the territorial limits of the place where the policy was issued; if you are required by law to accelerate benefits to meet the claims of creditors; or if a government agency requires you to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit will not waive premiums if the total disability is due to intentional self-inflicted injury, while sane or insane, or war, declared or undeclared, or any act incident thereto.

The Accidental-Death Benefit Rider will not be payable if your death results from or is caused by your:

1. Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
2. Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not; being incarcerated in any type penal institution; or participating in a riot;
3. Being exposed to war or any act of war, declared or undeclared, or being involved in a special hazards incident while serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian noncombatant unit serving in such units;
4. Participating in any hazardous activities to include sky diving, scuba diving, hang gliding, motorized vehicle racing, cave exploration, bungee jumping, parachuting, or mountain or rock climbing;
5. Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
6. Having any infirmity, illness, or disease, including a bacterial infection, or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis for any infirmity, illness, or disease;
7. Intoxication as defined by the jurisdiction where the accident occurred;
8. Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions, or poison, gas, or fumes, unless a direct result of an occupational accident.

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