Policy Exclusions

On your life insurance policy, some claims for accidental death are excluded.

We won't pay the cash sum if you die from an accident in the first two years of the plan if the cause of death is directly or indirectly as a result of one of the following:

  • deliberately self-inflicted injury, including suicide or attempted suicide
  • participation or attempted participation in an aerial flight other than as a fare-paying passenger on a licensed airline
  • war (whether declared or not)
  • active participation in a criminal offence, riot or civil commotion
  • taking or being affected by alcohol or drugs (except those prescribed by a doctor registered in the United Kingdom)
  • disease, bodily or mental infirmity or medical or surgical treatment of these, or where the life assured acts against medical advice

In these cases, the plan will pay one and a half times the premiums paid.