10-Year Level Term Life Insurance Exclusions

Suicide: If a Covered Person commits suicide:

• while sane or insane;
• during his or her first two years of coverage under the Policy;

The policy will only pay an amount equal to the premium paid for coverage to the date of death. The Life Insurance Benefit is payable if a Covered Person is insured under the Policy and commits suicide after the two year period.

Exclusions: The two year suicide exclusion, stated above, will also apply if a Covered Person commits suicide during the two years immediately following an increase in coverage under the Policy. In that event, the Amount of Insurance payable will equal the Amount of Insurance in force prior to the increase plus an amount equal to the premium paid for the increase to the date of death.

Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT 06089

Form SRP-1153 CRT A (HLA) (AGT-1003)