No benefits are payable under the employee optional life insurance plan if the covered person
commits suicide while sane or insane within two years of the effective date of coverage.
Instead, "Company" will pay the beneficiary an amount equal to any premiums paid.
If the covered person commits suicide more than two years after the effective date
of coverage but within two years of any increase in the coverage amount, benefits will be
paid based on the amount of coverage in effect prior to the increase in coverage amount. In
addition, "Company" will pay the beneficiary an amount equal to any premiums paid for the
increased amount.