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Exclusions for Waiver of Premium Benefit on Life Protection (Policyowner)

No covered benefits will be payable if the occurrence of insured event resulted from either directly or indirectly, wholly or partly from any of below item(s). If the covered event is not payable and leads to the termination of this Policy, the liability of the Company shall be limited only to the return of total Premium paid from Policy Issue Date or Policy Reinstatement Date (whichever is later), less any paid Savings Benefit (if any) and/or less the medical examination expense (if any) and/or expenses reasonably occurred for the underwriting process (if any).  

  1. Exclusions for Non-accidental Death Benefit 

    a.    Suicide or attempted suicide, whether the Life Insured is sane or insane, within two (2) years from the Policy Issue Date or the effective date of its last reinstatement, whichever is later (this exclusion is not applicable after two (2) years period per stated above); or

    b.    A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary); or  

    c.    Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV). 

     

  2. Exclusions for Non-accidental Total and Permanent Disability Benefit 

    a.    Attempted suicide or any self-inflicted injury, whether the Life Insured is sane or insane; or 

    b.    A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary); or  

    c.    Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled; or 

    d.    War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes terrorist activities, whether or not the Life Insured was participating therein; or 

    E.    Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).