PRUActive Life V

If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy. In this case, we cancel it and refund the total premiums received from you. We will first deduct any policy loans (including interest), automatic premium loans (including interest), surgical and nursing loans and all other amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy.

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If the life assured dies directly or indirectly from an activity under special exclusion or special terms and conditions shown in your certificate of life assurance, we do not pay the sum assured but we will either: refund the total premiums received from you less any policy loans (including interest), automatic premium loans (including interest), surgical and nursing loans and all other amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy; or pay you the surrender value (if any), whichever is higher.

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We do not pay the Multiplier benefit for accidental death on or after the selected Multiplier benefit age, if the accidental death of the life assured arises directly or indirectly out of one of the following: all claims related to accidents that took place before the cover start date of the policy or date of reinstatement (if any); war or warlike activities, invasion, acts of the foreign enemy, hostilities (whether declared or not), civil war, rebellion, revolution, insurrection, military or usurped powers; direct participation in strikes, riots or civil commotion; terrorism involving the use of nuclear, biological or chemical agents; illnesses or diseases of any kind, including but not limited to, fits, hernia, venereal disease, Acquired Immunodeficiency Syndrome (AIDS) or food poisoning; illnesses or diseases as a result of bite(s) inflicted by, and/or contact with, animal or insect, which animal or insect is infected by, or is a carrier of, such illnesses or diseases; physical or mental defect or infirmity existing at the cover start date or date of reinstatement (if any) of this benefit; accidents arising and due to pregnancy or confinement and related complications; under the influence, misuse or abuse of alcohol, drugs or illegal substance unless taken as prescribed by a registered medical practitioner; committing suicide or attempted suicide or intentional self-injury while sane or insane; unlawful acts, the hand of justice or wilful exposure to unnecessary danger except in the attempt to save a human life; any injury sustained while the life assured is committing or is attempting to commit an offence or is resisting arrest by a law enforcement officer; injuries as a result of committing, attempting or provoking an assault; state of unsound mind; taking part in a hazardous activity or sports unless such activities are carried out on a leisure basis under the supervision of a licensed organisation; taking part in professional or competitive sports where the life assured would or could earn income or remuneration from engaging in such sports; being in an aircraft of any type, or boarding or descending from any aircraft, except as a fare-paying passenger in an aircraft that is on a regular scheduled route operated by a commercial airline; radiation or contamination from radioactivity; racing of all kinds, other than foot or bicycle activities carried out on a leisure basis under the supervision of a licensed organisation; engaging in commando or bomb disposal duties/training, active military duties such as maintenance of civil order, engagement in hostilities, whether war is declared or not, and travel by military aircraft or waterborne vessel. This exclusion overrides all other terms and conditions relating to military services; or an activity under special exclusions and/or special terms and conditions shown on your certificate of life assurance.

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Terminal Illness in the presence of HIV infection is excluded.

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We do not pay the Accelerated Terminal Illness benefit if the life assured has already died at the time of the claim; if the symptoms of the terminal illness existed at the cover start date or date of reinstatement (if any) of this benefit; if the life assured is diagnosed as having a terminal illness caused by: self-inflicted injuries while sane or insane; AIDS, AIDS-related complex or infection by HIV except HIV due to blood transfusion and occupationally acquired HIV; using unprescribed drugs if the drugs are required by law to be prescribed by a registered medical practitioner; or an activity under the special exclusions and special terms and conditions shown in your certificate of life assurance.

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We do not pay the Accelerated Disability benefit if the disability claim was made when the life assured has already died at the time of the claim; happened and the life assured was under 28 days of age; existed at the cover start date or date of reinstatement (if any) of this benefit; or arises directly or indirectly out of: attempted suicide or self-inflicted injuries while sane or insane; travelling on a non-commercial airline except military aircraft; or an activity under special exclusions and special terms and conditions shown in your certificate of life assurance.

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There are certain conditions (such as death from suicide within 12 months from cover start date or date of reinstatement (if any), or death from an activity under special exclusions or special terms and conditions (if any)) under which no benefits will be payable.

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