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Exclusions:

1. Intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane;
   
2. War or act of war, whether declared or not;
   
3. Any Injury sustained while riding on, boarding or alighting from, any aircraft:
   a) as a student pilot;
   b) operated by any military authority (land, sea or air), unless it is a Military Transport Aircraft used for transport and operated by the United States Military Air Mobility Command (AMC) or an AMC type service of a national government recognized by the United States; or
   c) being used for tests, experimental purposes, stunt flying, racing or endurance tests;
   
4. The commission or attempted commission of a felony by you;
   
5. Sickness or disease;
   
6. Injury sustained prior to the effective date of coverage;
   
7. Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.

We will refund the pro rata portion of any premium paid for you while you are in the Armed Forces on full-time active duty for a period of two months or more. Written notice must be given to us within 12 months of the date you enter the Armed Forces.

Policy Form SRP-1311 A (HLA)(5435)