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LIMITATIONS AND EXCLUSIONS
What is not covered?

Member, Spouse and Child Term Life insurance plans do not pay benefits for suicide within two years of the date when the insured’s coverage takes effect.

Member and Spouse Personal Accident insurance does not pay benefits for physical or mental infirmity or disease, for self-inflicted injury, or for injury resulting from war, insurrection, flying (except as a passenger with no flight duties) or voluntary involvement in a criminal offence. Any loss must be the result of an accident and must occur within 365 days of the accident. Please see your policy for further details.


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