• Intentional self-inflicted injury, participation in any criminal act, violation of law.
• Failure to seek or follow medical advice, taking of alcohol or drugs.
• Incapacity or bodily injury which existed prior to this Assurance.
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce,
civil war, mutiny, rebellion, revolution, insurrection by military or usurped power, Direct participation in riots
or civil commotion.
• Murder (If the assured is a victim, benefit under natural death will be payable).
• Claims arising due to insured travelling in war inflicted areas.
Adamjee Life is registered and supervised by Securities and Exchange Commission of Pakistan.