No benefit for disability insurance is payable during the 12 or 24-month period following the effective date of this coverage if death results from a pre-existing condition. In such instances, the Insurer’s liability shall be limited to a refund of the premiums paid and the policy will terminate with no further value.
A pre-existing condition is an injury, a sickness or a condition that manifests during the 12 or 24 months prior to the effective date of the policy. For a complete definition, please refer to the specimen policy document.