Monthly Premium per $100 of Account Balance:

• Basic Protection: $0.89
• Comprehensive Protection: $1.09

Monthly Premium per $100 of Account Balance:

• Basic Protection: $0.95
• Comprehensive Protection: $1.19

GENERAL EXCLUSIONS

No benefits are payable under this insurance if death, Critical Illness, Hospitalization or Disability resulted directly or indirectly from:

• intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane…within the first 12 months following the Effective Date of Your coverage;

• intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane…within the first 6 months following the Effective Date of Your coverage;

• the intentional taking of drugs, except where prescribed by a Doctor and taken as directed;

• any poisonous substance, gas or fume of any kind voluntarily taken, administered, absorbed or inhaled;

• the operation or control of any motorized vehicle or watercraft with blood alcohol concentration in excess of legal limits in the jurisdiction where the death, Critical Illness, Hospitalization or Disability occurred;

• A pre-existing condition, if death, Critical Illness, Hospitalization or Disability occurs within 12 months of the Effective Date of Your coverage.

• A pre-existing condition, if Critical Illness occurs within 6 months of the Effective Date of Your coverage.