In which cases will the death benefit not be paid?

Prudential will not pay the death benefit if the insured dies due to any of the following causes, whether directly or indirectly:

• Suicide or self-inflicted injury within two years from the date the first basic premium is paid or the most recent policy reinstatement date.
• Criminal acts or intentional misconduct by the Policyholder causing harm to the insured.
• Criminal acts or intentional misconduct by the Beneficiary causing harm to the insured.
• The insured being executed under a court judgment.
• The insured being infected with HIV/AIDS or HIV-related illnesses (except for certain special cases under applicable regulations).
• The insured using narcotics, illegal stimulants, or substances not prescribed by a physician.

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