31.10.25.05

.05 Limitations and Exclusions.

A. Crime.

(1) An individual contract may not include a limitation or exclusion for loss to which a contributing cause was the covered individual's commission of or attempt to commit a crime.

(2) An individual contract may not include a limitation or exclusion for loss for which a contributing cause was the commission of or the attempt to commit a crime by an individual other than the covered individual.

B. Illegal Occupation. An individual contract may not include a limitation or exclusion for loss to which a contributing cause was the covered individual's being engaged in an illegal occupation.

C. Intoxicants or Narcotics or Use of Intoxicants or Narcotics.

(1) An individual contract may not include a limitation or exclusion for loss sustained or contracted in consequence of the covered individual's being intoxicated or under the influence of any drug.

(2) An individual contract may not include a limitation or exclusion for loss due to:

(a) The use of alcohol;

(b) The use of drugs or narcotics; or

(c) Alcoholism or drug addiction.

D. Preexisting Condition. If an individual contract contains a preexisting condition limitation or exclusion, the limitation or exclusion may not apply to a condition which the applicant revealed in the application for the contract, unless the condition is excluded by means of a signed waiver rider attached to the contract.