Common use of Terminal Illness (TI) Benefit Clause in Contracts

Terminal Illness (TI) Benefit. We do not pay the TI Benefit if the TI is directly or indirectly, wholly or partly caused by: • Intentional acts (sane or insane) such as self-inflicted injuries, suicide or attempted suicide; • Pre-existing conditions within the first twelve (12) months from the Rider issue date; or • Acquired Immunodeficiency Syndrome (AIDS), AIDS-related conditions or infection in the presence of Human Immunodeficiency Virus (HIV) except HIV infection due to blood transfusion and occupationally acquired HIV. When TI exclusion happens, You have the option to either continue with this rider or to surrender the rider. When there is condition(s) specific to the Life insured which We will not cover, We will state them on Our offer of conditional acceptance and the Endorsement.