Regulation .05 Limitations and Exclusions.
Regulation .05 Limitations and Exclusions.LinkCopy Citation
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.