In What Situation our claim might not be valid?

I realised many people know what they can claim but not sure what they cannot claim. Below is a list which one might not be able to make a claim in death or disability or Terminal illness. 1. when you are not able satisfy evidence of entitlement like submitting death certificate. (example: missing person) 2. when the terminal illness (pt 6) or disability (pt 7) is not covered in your Certificate of Life Assurance. (example, Stage of Terminal illness and whether is total disability) 3. Once an allowed claim is made either for terminal illness (pt 6) or disability (pt 7) for that one policy, there will be no death claim because the policy will automatically terminate with the claim or if the claim is made when the life assured is deceased, only Death Benefit will be materialised. 4. If the life assured dies from suicide within 12 months from the Cover Start Date of your policy or from the date of reinstatement (because you never pay to date), or the policy is void, there will be no claim of any. 5. Pre existing condition not declared that cause the claim will not be claimable. 6. Terminal illness not claimable if caused by: i) self inflicted injuries while sane or insane ii) AIDS, AIDS related complex or infection by HIV except HIV due to blood transfusion and Occupational Acquired HIV as stated in a "SECTION" of your Policy Booklet. (Something like the "NOTE" in Annual Report. Please read up if you deem necessary) iii) the use of unprescribed drug where such drug are required by law to be prescribed by a Registered Medical Practitioner 7. Disability not claimable if arises directly or indirectly out of: i) self inflicted injuries while sane or insane ii) attempted suicide iii) travelling on a non commercial airline except military craft 8. Disability is also not claimable when the life assured is below 28 days of age or existed at Cover Start Date of your policy or from the date of reinstatement (because you never pay to date), or the policy is void, there will be no claim of any. 9. Take note of the Special Exclusion or Special Terms and Conditions shown on your Certificate of Life Assurance which will deem the claim not valid for ANY. Disclaimer: I am not a certified insurance financial planner. This post is not to create unrest between any parties. DO NOT take this post as a guide to the policy you bought because you should refer to your policy booklet. Any enquiry just check with your financial planner. What i stated does not means I am right and they are wrong. Just go through what you signed. There is a clause where one might receive refund for the total premium they paid less any loans or outstanding amount one owe and expenses linked to the policy. or one might receive the surrender value (if any) which ever is higher. You should do your due diligent to see whether or how it might applies to you. Another Good Deed Done.