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C. Actively at Life In the event the Actively at Work/Hospital Confinement Provision is waived in the Qualification of the Offer, it is the intent of this Treaty to waive the Actively at Work/Hospital Confmement provision to the extent that Covered Persons are Actively at Life. Actively at Life means that a Covered Person is able to perform the same lifestyle functions of a person of similar age and sex who is in good health. Covered Persons who cannot meet this Actively at Life requirement on the Treaty effective date are considered disabled persons. Subject to disclosure, a disabled person may be covered if approved in writing, and shown in the Qualification of the Offer. In the event that application is made to include retired persons and/or persons who have elected COBRA (whether the COBRA election is effective on the Treaty Effective Date or not), such persons are subject to the Actively at Life requirement. D. Mental-Nervous-Alcohol-Drug Abuse Benefits: Coverage of expenses for the treatment of Mental and Nervous conditions, Alcohol Abuse or Drug Abuse is limited to the lesser of the maximum benefits shown in the Plan or $25,000.00 in excess of the Specific Retention Amount for any Treaty Year. Any payments which exceed $25,000.00 in excess of the Specific Retention Amount are not considered Eligible Expenses for the Aggregate Excess Coverage 7. EXCLUSIONS This Treaty will not reimburse you for any loss or expense caused by or resulting from any of the following: I. Expenses incurred while the Plan is not in force with respect to the Covered Person, or for a person not covered under the Plan. 2. Expenses which result from any prescription card service or any pre-paid prescription drug plan, dental, vision, or weekly income benefits, unless specifically indicated on the Application approved by Us. 3. Liability assumed by you under any contract or service agreement other than the Plan. 4. Expenses which are incurred for treatment which violates any statutes or regulation. 5. Expenses which are billed in excess of the usual and customary charge for locality where incurred; or any amount paid which is in excess of the Benefit Plan. 6. Expenses for accidental injury or sickness for which the Covered Person would be entitled to benefits under any Worker's Compensation or Occupational Disease statute or law whether or not such coverage is actually in force. 7. Cost of the administration of claims payments, or other service( s) provided by your Administrator, consulting fees and/or expenses of any litigation. 8. Expenses resulting from the commission of a crime or illegal act. 9. Expenses resulting from and arising out of or caused by or contributed to or in consequence of war, hostilities (whether war be declared or not), invasion, civil war, insurrection or riot. 10. Expenses incurred in connection with suicide or any intentionally self-inflicted injury or illness, whether the Covered Person was sane or insane when he or she committed the act. II. Expenses as a result of extra-contractual damages, consequential damages or punitive damages. 7