Exclusions War You are not covered for a Disability caused or contributed to by War or any act of War. War means declared or undeclared War, whether civil or international, and any substantial armed conflict between organized forces of a military nature. Intentionally Self-Inflicted Injury You are not covered for a Disability caused or contributed to by an intentionally self-inflicted Injury, while sane or insane. Riot or Civil Insurrection You are not covered for a Disability caused or contributed to by your active participation in an insurrection, rebellion, or riot. Commission of a Felony You are not covered for a Disability caused or contributed to by your commission of or attempt to commit a felony. Incarceration Benefits under the Policy will not be payable when you are incarcerated for any period exceeding 90 days. Armed Forces You are not covered for a Disability caused or contributed to by service in the armed forces as an active member or as a reservist of any country. Preexisting Condition A Disability caused or contributed to by a Preexisting Condition is not covered under the Policy unless the Date of Disability occurs after the Preexisting Condition Exclusion Period shown in Section II - Schedule of Insurance. Preexisting Condition means a mental or physical condition for which you have (a) consulted a Physician; (b) received medical treatment or services; or (c) taken prescribed drugs or medications during the Preexisting Condition Period shown in the Section II - Schedule of Insurance. If the Policy is a replacement for a Prior Plan, administration of this Preexisting Condition provision may be modified according to Replacement of Prior Plans. Back to Table of Contents