STD-6 MP0000819539 EXCLUSIONS* Benefits will not be paid for loss caused by or in connection with: 1. War or act of war (whether declared or undeclared) while serving in the military or naval service of any country or any auxiliary unit; 2. Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane; 3. Mental or nervous disorders; 4. Chemical dependency; 5. Committing or attempting to commit a felony; 6. Participation in an illegal occupation or activity; 7. Travel in, or descent from, an aircraft, except when you are a fare-paying passenger in an aircraft operated by a commercial airline (other than a charter flight operated by a scheduled airline) on a regularly scheduled passenger trip; 8. Active duty in the armed forces of any nation or international governmental authority or units auxiliary thereto or the National Guard or similar government organizations; 9. Mountaineering using ropes and/or other equipment, parachuting or hang gliding; 10. Cosmetic surgery; not including reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect; 11. Pregnancy that results in a normal delivery during the first 10 months following the effective date. A delivery due to a premature birth and which occurs prior to 10 months following the effective date will be covered if the pregnancy would otherwise have resulted in a viable birth with a scheduled delivery date after 10 months following the effective date. Loss due to complications of pregnancy is covered the same as an illness; or 12. Participating in any sport or sporting activity for wage, compensation or profit or racing any type of vehicle in an organized event. We will not pay benefits during any period in which you are legally incarcerated in a penal or correctional institution. We will not pay any benefits while you are residing or traveling outside of the United States, its territories or possessions, or Canada. An application for benefits may be made upon your return, provided you have received medical care for your condition following your return and you remain disabled. * May vary by state. Policy, Certificate and Riders should be reviewed for complete benefits, exclusions and limitations.