GREAT Wealth Multiplier 3

We will not pay any benefit for death due to: (a) suicide while sane or insane; or (b) any pre-existing condition, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy.

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We will not pay any benefit for TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane.

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We will not pay any benefit for 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.

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We will not pay any benefit for pre-existing TPD; or a diagnosis of TPD due to a pre-existing condition within 12 months from the date of issue or from the date of reinstatement (if applicable) of the policy.

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We will not pay any benefit for: (a) pre-existing terminal illness; (b) terminal illness in the presence of Human Immunodeficiency Virus (HIV) infection; or (c) terminal illness due to a pre-existing condition within 12 months from the date of issue or from the date of reinstatement (if applicable) of the policy.

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