ARSD 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.