1. The applicant or beneficiary intentionally kills or hurts the insured; 2. The insured has suffered from diseases, symptoms, signs, physical defects and disabilities before the insurance (or before the reinstatement), and has not truthfully informed in the insurance application; 3. The insured intentionally commits a crime or resists arrest, intentionally injures himself, gets drunk or fights; 4. The insured smokes, smokes or injects drugs; 5. The insured commits suicide within 2 years from the date of the establishment or reinstatement of this contract; Six, the insured driving without a license, drunk driving and driving without a license motor vehicles; Seven, AIDS or HIV infection during illness; Eight, due to accidental injury, natural disasters and accidents outside the missing and was declared dead by the court; Nine, congenital diseases; 10. War, military action, riot or armed rebellion; Eleven, nuclear explosion, nuclear radiation or nuclear pollution. When the above circumstances lead to the termination of this contract, if it is less than 2 years since the effective date of the contract, the insurer will refund the insurance premium to the applicant after deducting the handling fee, and if it is more than 2 years since the effective date of the contract, the insurer will refund the cash value of the insurance policy according to the contract.