Life Insurance

LIFE A68000 SERIES – WHOLE & TERM LIFE

Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400.

Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100.

Riders: Accidental-Death Benefit Rider: ICC1368055. In New York, NYQ60055. Life Spouse 10-, 20-, or 30-Year Term Life Insurance Rider: ICC1368050, ICC368051, ICC368052.

Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available.

A68000 SERIES – WHOLE LIFE ONLY Limitations and Exclusions for residents of Arizona:

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 the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors,
• If a government agency requires the owner 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 Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• 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;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• 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;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• 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.

A68000 SERIES –TERM LIFE ONLY Limitations and Exclusions for residents of Arizona:

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 the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors, or
• If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• 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;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• 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;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• 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.

A68000 SERIES – WHOLE LIFE ONLY Limitations and Exclusions for residents of Idaho, New Jersey and Virginia:

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 the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors,
• If a government agency requires the owner 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 Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• 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;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• 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;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• 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.

A68000 SERIES – TERM LIFE ONLY Limitations and Exclusions for residents of Idaho, New Jersey, and Virginia:

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 the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors, or
• If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• 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;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• 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;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• 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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