Sec. 31.04.17.11. Self-Destruction or Self-Inflicted Injury

A. In any group life insurance policy, or in any provisions in either a life insurance policy or a certificate relating to additional disability benefits or to additional benefits in the event of death by accident or accidental means:

(1) If the insurer desires to exclude self-destruction or self-inflicted injury, or both, regardless whether intentional or unintentional, language such as "self-destruction and/or self-inflicted injury, intentional or unintentional" or "self-destruction and/or self-inflicted injury, voluntary or involuntary", should be used.

(2) If the insurer desires to exclude only suicide or intentional self-inflicted injury, or both, language such as "suicide", "intentional self-destruction", "voluntary self-destruction", "intentional self-inflicted injury", and/or "voluntary self-inflicted injury" should be used. The insurer, at its option, may also add the language "while sane or insane".

B. In nonprofit health service plan forms and health insurance forms, including certificates of health insurance issued by fraternal benefit societies, the carrier may not exclude unintentional self-destruction or unintentional self-inflicted injury, but may exclude self-destruction or self-inflicted injury by an insane person.