What's Not Covered
Optional AD&D benefits will not be paid for losses that are caused or substantially contributed to by any of the following:
- Any attempt at suicide or intentionally self-inflicted injury, while sane or insane.
- War or any act of war, whether declared or undeclared. (this exclusion is optional but standardly included)
- Active participation in a riot, insurrection or terrorist activity.
- Committing or attempting to commit a felony.
- Voluntary intake of either:
- Any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes unless they are the direct result of an occupational accident.
- Engaging in an illegal occupation.
- Engaging in aviation, other than as a fare-paying passenger (this exclusion is optional but standardly included).
In addition, ReliaStar Life does not pay benefits for loss in consequence of your being intoxicated, as defined by the jurisdiction where the loss occurred.