* Disability and Hospitalization Exclusions (Must be purchased with Life Protection): 6/6 Clause — You will be ineligible for payments if you received medical or surgical treatment, medication, consultation, advice, or therapy, or were hospitalized for any disease, injury or health condition within six months prior to the effective date of protection and the same condition causes your disability within six months after the effective date of the contract; Normal pregnancy or childbirth, including Cesarean section; Intentional self-inflicted injury; Lack of full-time employment (at least 30 hours per week) for the previous six consecutive months prior to the disability; Receipt of benefits for another protected event under the contract; Commission of a crime; All balloon loans and term loans repaid other than monthly.

** Life and Terminal Illness Exclusions: 12/12 Clause — You will be ineligible for payment if you received medical or surgical treatment, medication, consultation, advice or therapy for any preexisting illness, disease or physical condition within 12 months of the effective date of protection of the contract that will ordinarily be expected to materially affect your health during the 12 months after the effective date of the contract; Suicide; Intentional self-inflicted injury; Criminal acts.