We will not pay benefits for the first 90 days of your disability due to pregnancy or childbirth and we will not pay benefits for disability due to war. We will not pay benefits for a pre-existing condition unless it is disclosed on your application and it is not specifically excluded. After two years from the policy's effective date, no misstatements in the application, except fraudulent misstatements, will be used to deny a claim for disability starting after the end of the two-year period. However, we will not pay benefits for any disability if fraud is involved or if the condition causing the disability is specifically excluded. The information provided here is intended only as a summary, and other restrictions may apply.
Any coverage issued is subject to the terms of that policy.