1. No benefit will be paid if you or your spouse commit suicide, whether sane or not sane, within the first year after the effective date of coverage. The claim will be denied and any premiums paid will be refunded.
  2. If you or your spouse die within two years after applying for PARACHUTE coverage, the insurer has the right to verify any medical information provided in the application. If any misrepresentations or omissions are discovered, the policy will be void, any claim will be denied and any premiums paid will be refunded.
  3. No benefit will be paid if you or your spouse die as the direct or indirect result of service, whether or not as a combatant, with armed forces engaged in surveillance, training, peacekeeping, insurrection, war (whether or not declared) or any related act, or participation in a popular uprising.
Full definitions and benefit provisions can be found in the policy and all coverage is subject to the terms and conditions of the policy
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