Limitations include but are not limited to the following. What limitations apply to the Accident Disability benefits payable? Exclusions may vary depending on state requirements. No benefits will be payable for any loss or Period of Disability that is a result of a Covered Accident that is due to or results from: war or an act of war, or any involvement in any period of any type of armed conflict (this does not include acts of terrorism) active military duty riding in or driving any motor-driven vehicle in a race, stunt show, speed test or while Intoxicated operating, learning to operate, serving as a crew member of, jumping or falling from any aircraft, including those which are not motor-driven (this does not include: 1) flying as a fare paying passenger in a scheduled or chartered flight operated by a commercial airline or 2) flying as a passenger with no duties on board an aircraft operated by a private business to transport its personnel or guests) engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting or any similar activities participating in or practicing for any semi-professional or professional competitive athletic contest in which any compensation is received committing of or attempting to commit an assault, felony or other criminal act committing or attempting to commit suicide or injuring oneself intentionally voluntary use of any controlled substance as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or hereafter amended, unless administered on the advice of a Physician and used as directed improper or illegal use of inhalants or huffing a Sickness or infection including physical or mental condition which is not caused solely by or as a direct result of a Covered Accident an Injury arising out of or in the course of any work for pay or profit (if off-job coverage is elected) participation in a Riot, Rebellion or Insurrection (for Accident Disability Benefit only). What exclusions apply to the benefits payable for both Accident Insurance and the Accident Disability benefits? The exclusions and limitations listed below may vary by state. Accident insurance is not available in New York. Product offerings may not be available in all states and may vary depending on state laws and regulations. Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 12-GP-01, 12-AC-C-01, 12-AC-R-01, and 12-AC-R-02, subject to state availability. The policy, certificate, and any rider, if applicable, may not be available in all states. Benefits payable are subject to all terms and conditions of the certificate. The certificate and its riders have exclusions and limitations that may affect any benefits payable. It does not provide basic hospital, basic medical, or major medical insurance.

Accident Insurance is a limited benefit policy.

Sun life personal health insurance