The Certificate does not cover death caused by or contributed to by any of the following:

We do not pay any benefits if any of the following contributed to or caused your injury:

Important State Exceptions: If this Policy is issued in the following states, these exclusions replace the corresponding exclusion shown above. In Idaho: exclusion, (c),(e),(g),(h) and (j) are deleted. Exclusion (b) is changed to "any sickness (except bacterial infections which result from an injury or accidental ingestion of contaminated substances), or Mental Disease or Disorder." Exclusion (i) is changed to "alcoholism or drug addiction." In Illinois, Iowa and Michigan: exclusion (g) is deleted. In Michigan, exclusion (j) is changed to "the Insured's voluntary use of any illegal drug or controlled substance as defined by federal or state laws unless used as prescribed by the Insured's physician." In Oklahoma, exclusion (d ) is changed to: "participation in a war or act or war declared or undeclared while serving in the military service or any auxiliary unit attached thereto. In South Carolina, exclusions (c) and (g) are deleted. Exclusion (j) is changed to: "being under the influence of alcohol or any narcotic unless taken on the advice of a physician;" In South Dakota: exclusions (c) and (i) are deleted. Exclusion (j) is changed to "being under the influence of alcohol or any drug while committing a felony." In Texas: exclusion (c) is changed to "treatment for the disease alcoholism." In Vermont, exclusions (c), (g), (h), (i) and (j) are deleted. Exclusion (e) is changed to: "commission of or attempting to commit a felony; or being engaged in an illegal occupation;" In Washington exclusions (c), (g), (i) and (j) are deleted. In Wisconsin: exclusion (c) is changed to "the Insured being intoxicated unless administered on the advice of a Physician."

Important Note: We may not be able to issue coverage if you are replacing existing coverage. You can be covered under more than one Stonebridge life policy/certificate providing the same or similar coverage subject to our right to limit the total face amount of coverage to $500,000. (In South Carolina, this provision applies only to total insurance provided by individual policies)

Important Note: You can be covered under more than one Stonebridge life policy/certificate providing the same or similar coverage subject to our right to limit the total face amount of coverage to $350,000.

Benefits:
Accidental Death benefit: We pay benefits for loss of life caused by a covered injury. Death must occur within 90 days of the accident causing the injury.

Renewability and Rate Change provisions:
As long as premiums are paid, your policy is guaranteed renewable until you attain age 75 when it ends. Your premium rate can change only if there is a rate change on all policies of this form in the state where you live.

Exclusions:
We do not pay any benefits if any of the following contributed to or caused your injury: a. Intentionally self-inflicted injury, suicide, or any attempt at suicide while sane or insane; b. any sickness or its medical or surgical treatment, including diagnosis (except bacterial infections which result from any Injury or accidental ingestion of contaminated substances), or Mental Disease or Disorder; c. the Insured being intoxicated unless administered on the advice of a physician. d. any active participation in a riot, insurrection or war, either declared or undeclared; e. committing or attempting to commit any illegal activity; f. air travel as a pilot or crew member; g. participating in a race or speed contest involving motor vehicles of any type; h. voluntary gas inhalation or poison voluntarily taken, administered or inhaled; i. Taking of alcohol in combination with any drug, medication or sedative; or j. taking or using any narcotic, barbiturate or any other drug, unless taken or used as prescribed by a Physician.

We may not be able to issue coverage if you are replacing existing coverage.

This is supplemental coverage designed to help to replace coverage you already have. If you feel you do not have sufficient protection, you may apply for one of the options presented to supplement your present insurance.