Critical Illness Insurance Covered Illnesses and Conditions

Exceptions and Limitations — The policy does not cover loss caused by: (a) intentionally self-inflicted injury, while sane or insane; (b) the use or intake of any drug, intoxicant or narcotic, other than as prescribed and administered by or in accordance with the instruction of a Legally Qualified Physician; (c) operating a motor vehicle while blood alcohol concentration is in excess of the legal limit in the state in which the incident occurs; (d) committing or attempting to commit a felony; (e) loss resulting from, or service in the armed forces or auxiliary units; (f) while engaging in an illegal occupation; or (g) participating in a riot or insurrection.

The policy will cover only the following skin cancers: (1) invasive malignant melanoma in the dermis or deeper, and (2) skin malignancies that have become Life-Threatening Cancers, as described in the policy, under the Definitions Section.

No benefits are payable for any medical conditions or surgical treatments other than the Critical Illness Insured Conditions defined in the policy.

• If the first diagnosis of occurs within 90 days after the then Mutual of Omaha will pay.
• Life-Threatening Cancer Policy Issue Date, or last Reinstatement Date, 10% of the Maximum Benefit.
• First Carcinoma in Situ Policy Issue Date, or last Reinstatement Date, 2.5% of the Maximum Benefit.

Coverage will continue after a benefit is paid (subject to future premium payments), but no further benefits for Life-Threatening Cancer or First Carcinoma is Situ claims will be allowed. If a benefit is paid under the Special Limitations for Life-Threatening Cancer and First Carcinoma in Situ Section, the Maximum Benefit Amount will be reduced by the amount paid, and the premium will be adjusted accordingly. You will be notified of the new Maximum Benefit Amount and new premium.

In no event will the payment(s) for any Critical Illness Insured Condition(s) exceed the maximum benefit amount then in force.