No benefits are payable under this insurance if death, Critical Illness or Disability resulted directly or indirectly from:

•       intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane (for the death or Disability benefit this exclusion is only applicable within the first 12 months following the Effective Date of Your coverage);

•       declared or undeclared war unless on active military duty as a member of the Canadian Forces or Canadian Forces reserve

•       any nuclear, chemical or biological contamination due to any act of terrorism;

•       the commission or attempted commission of a criminal offence;

•       the intentional taking of drugs, except where prescribed by a Doctor and taken as directed;

•       any poisonous substance, gas or fume of any kind voluntarily taken, administered, absorbed or inhaled;

•       the operation or control of any motorized vehicle or water craft with blood alcohol concentration in excess of legal limits in the jurisdiction where the death, Critical Illness or Disability occurred;

•       a pre-existing condition, if death, Critical Illness or Disability occurs within 12 months of the Effective Date of Your coverage. For the purposes of this exclusion, a pre-existing condition is defined as any sickness or injury for which You or the Co-borrower, as applicable, received medical advice, consultation, investigation, diagnosis, or for which Treatment was required or recommended by a Doctor, during the 12 months prior to the Effective Date of Your coverage.