EXCLUSIONS We will not pay a Monthly Benefit for any Total Disability caused by: (1) an act of war, declared or undeclared; or (2) an intentionally self-inflicted Injury; or (3) your committing a felony; or (4) an Injury or Sickness that occurs while you are confined in any penal or correctional institution. LRS-6570-7-1189 Page 8.0