Business Activities:

While on the plan sponsor's premises (building and/or land where the plan sponsor's business is located) during the hours and on the days the insured is required, including voluntary overtime, by the plan sponsor to be there; and while off such premises on a trip, including commuting directly to and from work, required of the insured as an employee of the plan sponsor.

Benefits will not be paid for loss resulting from intentional self-destruction or an attempt at it or intentional self-inflicted injury (if MO contract, while sane); or (2) war or an act of war, declared or undeclared; or (3) air travel unless the insured is a passenger on a regularly scheduled flight of a properly licensed.