S.D. Admin. R. 20:06:08:43.02

Current through Register Vol. 50, page 159, June 17, 2024

Section 20:06:08:43.02 - Permissible exclusions for accidental death and dismemberment policies issued as a supplemental benefit

An accidental death and dismemberment policy that is issued as a supplemental benefit with a life insurance policy may exclude, in addition to those excluded in SDCL 58-15-45, death or loss as follows:

(1) Death caused directly or indirectly by disease or infirmity of body, or medical or surgical treatment for such disease or infirmity;

(2) An infection not occurring as a direct result or consequence of the accidental bodily injury;

(3) Caused by any device used for testing or experimental purposes by or for any military authority or used for travel beyond the earth's atmosphere;

(4) Caused directly or indirectly by active participation in a riot, insurrection, or terrorist activity. An exclusion for riot or insurrection is limited to instigators and does not include civil commotion, disorder, injury as an innocent bystander, or injury for self defense;

(5) Occurring while the proposed insured is incarcerated if the incarceration is during a period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days;

(6) Caused directly or indirectly by committing a felony;

(7) Caused directly or indirectly by riding or driving on land, air, or water if participating in a speed or endurance contest;

(8) Caused directly or indirectly by bungee jumping or rock or mountain climbing; or

(9) Occurring before the insured reaches the age of one.

S.D. Admin. R. 20:06:08:43.02

33 SDR 107, effective 12/26/2006.

General Authority: SDCL 58-15-45.

Law Implemented: SDCL 58-15-45, 58-15-52.