EXCLUSIONS AND LIMITATIONS

The Policy does not cover:

1. intentionally self-inflicted injuries, suicide or attempted suicide, whether sane or insane, (in Missouri or Colorado while sane);
2. any loss caused or contributed to by war or act of war, whether war is declared or not;
3. any loss which occurs while the Covered Person is an Active Duty member in the armed forces, whether land, water or air of any country or international authority;
4. pregnancy or childbirth, except Complications of Pregnancy.
   Upon request, we will refund the pro-rata portion of any premium paid for the period a Covered Person is in the armed forces.