LIMITATIONS If you die by suicide, while sane or insane, within two (2) years of your effective date for Supplemental Life insurance coverage, our payment will be limited to a refund of all life insurance premiums paid prior to the date of death. If your insured Dependent dies by suicide, while sane or insane, within two (2) years of his/her effective date for Dependent Life insurance coverage, our payment will be limited to a refund of all life insurance premiums paid prior to the date of death. LRS-6423-499 Ed. 04/16 Page 4.0