If a life insured has been found under a consumption of alcohol or drugs.
2. If a life insured had an accident due to violation of law of land like cases of over speeding or crossing a busy road or going to a prohibitive area.
3. If a life insured had participated in a criminal activity.
4. If a life insured has participated in an adventurous sport.
5. If a life insured has died during a riot or terrorist activity and he has gone there with the intention. However, claim will be paid in a riot or terrorist activity when life insured was there at home and was killed.
6. If a life insured has consumed a prohibitive substance knowing its implications very well.