LIMITATIONS CLASS 1, 2, 3, 4, 5 & 6: If the Insured dies by suicide, while sane or insane, within two (2) years of his/her 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. CLASS 1, 2, 3, 4, 5 & 6: If an 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-6422-844 Ed. 04/16 Page 4.0