GREAT Life Multiplier

If the life assured dies by suicide, while sane or insane, or from any pre-existing condition, within 12 months from the date of issue of the policy or from the date of any reinstatement, the policy will be rendered void and we will refund all premiums paid without interest (after deducting any outstanding debt, and any benefits and/or bonuses paid).

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Payment of the TPD Benefit will not be made for: (a) Pre-existing TPD; (b) TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (c) TPD resulting directly or indirectly, wholly or partly, from bodily injury sustained while the life assured is in or on, or boarding or descending from, an aircraft other than as a: (i) fare-paying passenger or crew member on an aircraft licensed for passenger service and operated by a commercial airline on a scheduled route; (ii) passenger who is a member of the armed forces on a military transport aircraft; or (iii) provider of airport ground handling, aviation catering, aircraft engineering or other aviation-related services while the aircraft is on the ground; or (d) a diagnosis of TPD due to a pre-existing condition within 12 months from the date of issue of the policy or the date of reinstatement of the policy (if applicable).

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Payment of the TI Benefit will not be made: (a) pre-existing TI; (b) TI in the presence of Human Immunodeficiency Virus (HIV) infection; or (c) a diagnosis of TI due to a pre-existing condition within 12 months from the date of issue of the policy or the date of reinstatement of the policy (if applicable).

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