We will not pay any benefit under your policy if a claim arises:
- from suicide, attempted suicide or an intentional self-inflicted act while sane or insane by a person insured, and
- within one year of the start of the policy cover, or the date we last reinstated the policy.
This applies regardless of the mental state of person insured. If this happens, the policy will be cancelled.
We will not pay any benefit under your policy if a claim arises because you or the person insured deliberately participated in an unlawful act, or unlawful failure to act.
Note: Please refer to the policy contract for the full list of limitations and exclusions.