AO22OCFL 8 E. Limitations and Exclusions. No benefits will be payable for death, Dismemberment, surgery, Confinement, treatment, diagnosis, screening or any other care or service incurred during any period the Covered Person’s coverage is not in effect. Additionally, no benefits will be paid for an Injury that occurs prior to a Covered Person being covered under the policy. Benefits will also not be paid for services rendered by a Covered Person or immediate family member of a Covered Person. No benefits will be provided for an Accident that is caused by or occurs as a result of: 1. intentionally self-inflicted bodily injury, suicide or attempted suicide, whether sane or insane; 2. participation in any form of flight aviation other than as a fare-paying passenger in a fully licensed/passenger-carrying aircraft; 3. any act that was caused by war, declared or undeclared, or service in any of the armed forces; 4. participation in any activity or event while under the influence of any narcotic, drug, or controlled substance unless administered by a Physician or taken according to the Physician's instructions; 5. voluntary ingestion, injection, inhalation or absorption of any narcotic, drug, controlled substance, poison, gas, or fume; 6. participation in, or attempting to participate in, a felony, riot or insurrection; (A felony is as defined by the law of the jurisdiction in which the activity takes place.) 7. participation in any sport for pay, profit, or sponsorship, in a professional or semi-professional capacity; 8. treatment received outside the United States and its territories, Canada, or Mexico; 9. participation in any contest of speed in a power driven vehicle for pay or profit; or 10. participation in parachuting, bungee jumping, rappelling, mountain climbing or hang gliding. F. Renewability - The policy is guaranteed renewable for life, as long as you pay premiums before the date due or within the next 31 days. Premium rates may be changed, but only on a class basis. G. Optional Benefit Riders: Please refer to your application to see if your coverage includes this optional rider. AMDI551FL Organized Sports Benefit Rider The Organized Sports Benefit Rider pays an indemnity amount if a Covered Person, while a Participant in an Organized Sport, suffers an Injury for which a benefit is payable under this policy. The benefit payable under the policy will be increased by the Organized Sports benefit percentage. Level 1 Level 2 Level 3 Level 4 Additional 25% of the benefit payable This Outline of Coverage Is Only A Summary Of The Coverage Provided. Only The Actual Policy Provisions Will Control.