The exclusions and limitations that apply to these riders are the same as the exclusions and limitations of the policy.

Life insurance exclusions and limitations. Group critical illness exclusions and limitations. What limitations apply to the benefits payable. GENERAL LIMITATIONS AND EXCLUSIONS The amount of coverage may be reduced at certain ages for you.

The exclusions and limitations under CIBC Critical Illness Insurance are. Stage 1A malignant melanoma melanoma less than or equal to 10 mm in thickness not ulcerated and without level IV or V invasion. For a list of limitations and exclusions under the Group Term Life Insurance and Accidental Death Dismemberment Insurance program please refer to Section 4 page 17 of the Retirees Benefits Book.

Emergency Medical Insurance benefits. Trip Interruption Delay Insurance benefits. Suicide - Most life insurance policies list suicide as an exclusion.

The exclusions and limitations under CIBC Term Life Insurance are. Covered Conditions Exclusions We will not pay a benefit for certain types of the following conditions. General Exclusions And Limitations No benefit is payable for.

Aggregate maximum If you have more than one CIBC Term Life Insurance policy the death benefit if paid under all policies you have will be limited to 10 million dollars regardless of the total coverage amounts of those policies. If you have more than one CIBC Critical Illness Insurance policy the critical illness benefit if paid under all policies you. Both companies are headquartered in Saint Paul MN.

However beneficiaries may receive a refund of the premiums that have been paid. Insurance companies limit their risk by the use of exclusions and other terms in the insurance contract. This exclusion provides that death of an insured because of certain activities like auto.