SECTION12-ACCIDENTALDEATHANDDISMEMBERMENT Continued LIMITATIONS Benefits are not payable for loss due directly or indirectly to: 1) suicide or attempted suicide, whether sane or insane; 2) air travel as a crew member; 3) participation in a riot or from war or an act of war, whether declared or undeclared; 4) causedor contributed to by the insured’s commission of or attempt to commit a criminal act under relevant state law; 5) the voluntary taking of: a) a prescription drug in a manner other than as prescribed by a Physician; b) anyother federally- or state-regulated substance in an unlawful manner; c) non-prescription medicine, in a manner other than as indicated in the printed instructions; or d) poison; 6) the voluntary inhaling of gas (unless due to occupational accident); 7) Sickness other than infection occurring as a result of accidental injury; 8) voluntary use of alcohol resulting in intoxication above the legal limit; 9) voluntary use of a hallucinogen or substance causing intoxication; 10) operating a vehicle while intoxicated above the legal limit or while under the influence of hallucinogen or substance causing intoxication; 11) violation of traffic laws other than an infraction, racing, stunt-driving, or engaging in other similar activity during the accident; or 12) participation in hang-gliding, bungee jumping, skydiving, rock climbing or mountain climbing. Notice and Proof of Injury/Accidental Death: AUL’s Home Office must receive written notice of the injury/Accidental Death on which the claim is based within 31 days of the date of the accident. AUL’s Home Office must receive acceptable proof of loss within 90 days after the date of the loss. Acceptable proof of loss must be furnished as follows: 1) Acertified death certificate; 2) AcompleteandaccurateAULdeathclaimformandifavailable,acopyofthepolice,autopsy,andmedical reports related to the death; 3) AstatementbytheGroupPolicyholdercertifying the amount of coverage existing on the date of loss; and 4) AtAUL’soption,otherdocumentsorinformationasneededto investigatethe loss and determine whether or not benefits are payable under the policy. AULhastherighttoexamineYou: 1) asoften as necessary; 2) at AUL’sexpense;and 3) byamedicalprofessionalof AUL’schoice. GC2510.14/3 SECTION12-ACCIDENTALDEATHANDDISMEMBERMENT