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Exclusions and Limitations
The FEDERAL FIRST Voluntary Term Life Insurance Plan, underwritten by MetLife includes exclusions and limitations. See your Certificate/Statement of Coverage for further information on plan provisions.
Life Insurance for Your Dependents
An amount of life insurance is payable to you if one of your dependents dies while insured. If you are not living at the time of payment, it will be paid to your executors or administrators. At MetLife's option, it may be paid to your wife or husband.
The following dependents are not eligible
- Those in full-time active military service.
- Children less than 14 days of age.
Employee Suicide Exclusion
If, while insured, you die by suicide, while sane or insane, or from an intentionally self-inflicted injury, within two years from the effective date of your coverage, no Voluntary Term Life Insurance benefit will be payable. If such death occurs after two years of your effective date of coverage, while you are insured, but within two years of the date that any increase in coverage becomes effective, no Voluntary Term Life Insurance benefit will be payable for any such increase.
Dependent Suicide Exclusion
If, while insured, your dependent dies by suicide, while sane or insane, or from an intentionally self-inflicted injury, within two years from the effective date of his or her coverage, no Life Insurance benefit will be payable. If such death occurs after two years of your dependent's effective date of coverage, while he or she is insured, but within two years of the date that any increase in coverage becomes effective, no Life Insurance benefit will be payable for any such increase.
