Section 1402.5  Introduction

Life insurance policy forms may contain war clauses substantially complying with the recommendations contained in the report, dated December 3, 1951, of the special Sub-Committee of the Life Committee of the National Association of Insurance Commissioners as follows:

Section 1402.10  Military Exclusion

Risk of death may be excluded:

a)         As a result of war or act of war, if the cause of death occurs while the insured is serving in the military, naval or air forces of any country, combination of countries or international organization, provided such death occurs while in such forces or within six (6) months after termination of service in such forces; or

b)         As a result of the special hazards incident to service in the military, naval or air forces of any country, combination of countries or international organization, if the cause of death occurs while the insured is serving in such forces and is outside the home area, provided such death occurs outside the home area or within six (6) months after the insured's return to the home area in such forces or within six (6) months after the termination of service in such forces, whichever is earlier.

Section 1402.20  Non-Combatant Civilian Exclusion

Risk of death may be excluded:

a)         As a result of war or an act of war while the insured is serving in any civilian non-combatant unit serving with such forces, provided such death occurs while in such units or within six (6) months after termination of service in such units; or

b)         As a result of the special hazards incident to service in any civilian non-combatant unit serving with such forces, if the cause of death occurs while the insured is serving in such units and is outside the home area, provided such death occurs outside the home area or within six (6) months after the insured's return to the home area in such units or within six (6) months after the termination of service in such units, whichever is earlier.

Section 1402.30  Civilian Exclusion

Risk of death may be excluded as a result of war on an act of war, within two (2) years from the date of issue of the policy, while the insured is not in such forces or units, if the cause of death occurs while the insured is outside the home area, provided such death occurs outside the home area or within six (6) months after the insured's return to the home area.

a)         "Home Area" is defined as the 50 States of the United States, District of Columbia, Canal Zone, Puerto Rico, Virgin Islands and Canada.

b)         "War" includes, but is not limited to, declared war, and armed aggression by one or more countries resisted on orders of any other country, combination of countries or international organization.

c)         "Act of War" means any act peculiar to military, naval or air operations in time of war.