ICC19 RL-STD-CERT-19 18 D12972 (11/25) EXCLUSIONS AND LIMITATIONS EXCLUSIONS The Policy does not cover any Disability caused by, contributed to by, or resulting from:  Subject to the applicable law in the state where the Policy is delivered or issued for delivery, commission or attempt to commit a felony or illegal activity.  Engaging in any illegal occupation, work or employment.  Operating a motorized vehicle while under the influence of alcohol as evidenced by a blood alcohol level at or in excess of the state legal intoxication limit as defined by the state law where the Disability occurs.  Intentionally self-inflicted harm.  Attempted suicide, regardless of mental capacity.  Participation in a war, declared or undeclared, or any act of war. An act of war is military activity by one or more national governments and does not include terrorist acts, other random acts of violence not perpetrated by you, or civil war or community faction.  Active duty as a member of the armed forces of any nation. However, we will refund, upon Written notice of such service, any Premium which has been accepted for any period not covered as a result of this exclusion.  Active participation in a riot, insurrection or terrorist activity, but not including civil commotion, disorder, Injury as an innocent bystander, or Injury because of self-defense.  Subject to the applicable law in the state where the Policy is delivered or issued for delivery, voluntary intake of any narcotic or other controlled substance, unless the narcotic or controlled substance is taken under the direction of and as directed by a Doctor.  Cosmetic surgery except when required for your Appropriate Care as a result of your Injury or Sickness; cosmetic surgery shall not include (1) reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, and (2) reconstructive surgery because of congenital disease or anomaly resulting in a functional defect and (3) surgery necessitated by gender dysphoria.  Occupational Sickness or Injury. We will not pay a benefit for any period of Disability during which you are incarcerated.