A68000 SERIES – WHOLE LIFE ONLY

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

• If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors,
• If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement, or
• If the policy is being continued as reduced paid-up life insurance or extended-term life insurance.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

Limitations and Exclusions for residents of Idaho, New Jersey and Virginia:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness.

The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

• If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors,
• If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement, or
• If the policy is being continued as reduced paid-up life insurance or extended-term life insurance.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

A68000 SERIES –TERM LIFE ONLY

Limitations and Exclusions for residents of Arizona:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

• If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors, or
• If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

Limitations and Exclusions for residents of Idaho, New Jersey, and Virginia:

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

The Accelerated Death Payment will not be paid:

• If the named insured or his/her physician resides outside the United States of America or outside the territorial limits of the place where your policy was issued,
• If the owner is required by law to accelerate benefits to meet the claims of creditors, or
• If a government agency requires the owner to apply for benefits to qualify for a government benefit or entitlement.

The Waiver of Premium Benefit Rider will not waive premiums if total disability is caused or contributed to by:

• Any attempt at suicide, or intentionally self-inflicted injury, while sane or insane;
• War, or any act of war, declared or undeclared, or any act incident thereto;
• Active participation in a riot, insurrection or terrorist activity;
• Committing or attempting to commit a felony;
• Voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident;
• Intoxication, as defined by the jurisdiction where the total disability occurred; or
• Participation in an illegal occupation or activity.

The Accidental-Death Benefit Rider will not be payable if the named insured’s death results from, is caused or contributed to by:

• Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any detention facility or penal institution;
• Participation in an illegal occupation or activity;
• Active participation in a riot, insurrection or terrorist activity;
• Being exposed to war or any act of war, declared or undeclared, or special hazards incident while actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve, or while serving in any civilian non-combatant unit serving in such units;
• Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing), scuba diving, cave exploration, bungee jumping, mountain or rock climbing, or riding or driving by air, land or water vehicle in a race, speed, or endurance contest;
• Operating, riding in, or descending from any aircraft while a pilot, officer, or member of the crew of an aircraft, having any duties aboard an aircraft, or giving or receiving any kind of training or instruction aboard an aircraft;
• Having any infirmity, illness, or disease, including a bacterial infection, unless such bacterial infection also occurred simultaneously with and in consequence of a covered accident; or an error, mishap, or malpractice during medical or surgical treatment, including diagnosis, for any infirmity, illness, or disease;
• Intoxication as defined by the jurisdiction where the accident occurred; or
• Voluntary intake or use by any means of: any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or poison, gas or fumes, unless a direct result of an occupational accident.

Whole Life (Q60000 series): In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Pennsylvania, Policy Q60100MPA. In Texas, Policy Q60100MTX. Not available in New York or Virginia.

Q60000 SERIES – GROUP WHOLE LIFE ONLY

Limitations and Exclusions in Arizona, Idaho & New Jersey:

Any death benefit of the certificate will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the certificate or rider effective date. All premiums paid will be refunded, less any indebtedness.

The advanced claim payment will not be payable if the named insured’s death occurs less than two years after the certificate effective date.

Any accelerated death payment will automatically establish a lien against the certificate. Aflac shall hold the lien as a debt against the death benefit, certificate benefits, cash values, any outstanding certificate loans and/or any other certificate liens in existence under the certificate. Any accelerated death payment amount requested will be reduced by any existing due and unpaid premiums, statutory child support liens, loans or liens secured by the certificate, plus unpaid interest and the administrative charge.

The Accelerated Death Payment for a Terminal Illness will not be paid:

• If the named insured or his/her physician resides outside the United States and its territories;
• If you are required by law to accelerate benefits to meet the claims of creditors;
• If a government agency requires you to apply for benefits to qualify for a government benefit or entitlement; or
• If the certificate is being continued as reduced paid-up life insurance or extended-term life insurance.

Term Life (Q60000 Series): In Delaware, Policies Q60200M. In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C. Not available in New York or Virginia.

Q60000 SERIES – GROUP TERM LIFE ONLY

Limitations and Exclusions in Arizona, Idaho & New Jersey:

Any death benefit of the certificate will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the certificate or rider effective date. All premiums paid will be refunded, less any indebtedness.

The advanced claim payment will not be payable if the named insured’s death occurs less than two years after the certificate effective date.

Any accelerated death payment will automatically establish a lien against the certificate. Aflac shall hold the lien as a debt against the death benefit, certificate benefits and/or any other certificate liens in existence under the certificate. Any accelerated death payment amount requested will be reduced by any existing due and unpaid premiums, statutory child support liens or liens secured by the certificate, plus unpaid interest and the administrative charge.

The Accelerated Death Payment for a Terminal Illness will not be paid: If the named insured or his/her physician resides outside the United States and its territories; If you are required by law to accelerate benefits to meet the claims of creditors; or If a government agency requires you to apply for benefits to qualify for a government benefit or entitlement.

Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999

Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211

Z2400253