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No more than 100% of your AD&D Insurance will be paid for all Losses resulting from one accident. D. Changes In AD&D Insurance Subject to 1 and 2 below, a change in your AD&D Insurance will become effective on the first day of the calendar month coinci.dingwith or next followingthe date of change in c1ac:.sincation, age, Annual Earnings, or other factor shown in the Coverage Features. 1. All increases in your AD&D Insurance are subject to the Active Work Provisions. 2. Insurance which exceeds any Guarantee Issue Amount shown in the Coverage Features will become effective on the date we approve your Evidence Of Insurability. E. Seat Belt Benefit See the Coverage Features for the amount of the Seat Belt Benefit. We will pay a Seat Belt Benefit if: 1. You die as a result of an Automobile accident for which an AD&D Insurance benefit is payable; and 2. You were wearing a Seat Belt at the time of the accident, as evidenced by a police accident report. Seat Belt means a properly installed seat belt, lap and shoulder restraint, or other restraint approved by the National Highway Traffic Safety Administration. Automobile means a motor vehicle licensed for use on public highways. F. AD&D Insurance Exclusions No AD&D Insurance benefit is payable if the Loss is caused or contributed to by any of 1 through 7 below. 1. War or act of War. War means declared or undeclared war, whether civil or international, and any substantial armed conflict between organized forces of a military nature. 2. Suicide or other intentionally self-inflicted Injury, while sane or insane. 3. Committing or attempting to commit an assault or felony, or actively participating in a violent disorder or riot. Actively participating does not include being at the scene of a violent disorder or riot while performing your official duties. 4. The voluntary use or consumption of any poison, chemical compound or drug, unless used or consumed according to the directions of a physician. 5. Sickness or Pregnancy existing at the time of the accident. 6. Heart attack or stroke. 7. Medical or surgical treatment for any of the above. G. When AD&D Insurance Becomes Effective Your AD&D Insurance becomes effective on the date your Life Insurance becomes effective. H. When AD&D Insurance Ends Your AD&D Insurance ends automatically on the earlier of: 1. The date your Life Insurance ends; and 2. The date your Waiver Of Premium begins. u.AO.25 SUPPLEMENTAL LIFE INSURANCE A. Insuring Clause If you die, or if your Spouse dies, while insured for Supplemental Life Insurance, we will pay benefits according to the terms of the Group Policy after we receive satisfactory Proof Of Loss. Printed 4196 Revised 4196 -7- SAMPLE U, AD&D, DU, Sup. U