LIFE INSURANCE

Filing a Claim

In the event of your death or accidental injury on or off the job (or the death of your insured spouse or child), you or your beneficiary should contact your Human Resources Representative (Valassis Communications, Inc. and NCH associates paid through ADP) or the Associate Resource Center at 1-877-238-6847 (Valassis Direct Mail and Sales & Marketing associates paid through PeopleSoft) or as soon as possible. Any forms will be provided for completion and submission. You may also contact the Sun Life Claims office at 1-800-786-5433 for help.

For information on appealing a claim, refer to the Administrative Information section.

Exclusions
Exclusions: (applicable to all benefits except the Life Insurance, Accelerated Benefit): What losses are not covered? The Policy does not cover any loss caused or contributed to by:

• War or act of war, whether declared or not;
• Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority;
• Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines or hallucinogens, unless as prescribed by or administered by a Physician;
• Injury sustained while committing or attempting to commit a felony; or
• Injury sustained while intoxicated.

Intoxicated means:

• the blood alcohol content;
• the results of other means of testing blood alcohol level; or
• the results of other means of testing other substances;

that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.