Coverage will not be extended to persons who are ill or injured at the time their group life coverage ends.

Benefits will not be paid where death results from suicide within two years of the effective date of the policy. In such cases, total premiums paid will be returned without any interest adjustment.

Benefits will not be paid where death results, directly or indirectly, from a Pre-Existing condition during the 24-month period following the effective date of the policy. In such cases, total premiums paid will be returned without any interest adjustment. "Pre-Existing condition" means any injury, illness or physical condition, whether diagnosed by a physician or not, for which Medical Treatment was sought, recommended, required or obtained, or for which drugs were prescribed and/or taken within the 24-month period immediately prior to the Effective Date of Coverage.

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife Financial upon final application approval. It contains important details concerning exclusions, conditions and limitations. Please review it carefully upon receipt.