1. Entire Contract Changes: The policy and any attachments is the entire contract of insurance. No agent may change it in any way. Only an officer of United’s can approve a change. Any such change must be shown in the policy.

2. Time Limit on Certain Defenses: After two years from the date a person becomes covered under the policy we cannot use misstatements, except fraudulent misstatements in your or your dependent’s application, to void coverage or deny a claim for loss that happens after the two-year period.

3. Legal Actions: You cannot bring a legal action to recover under the policy for at least 60 days after you have given United written proof of death. You cannot start a legal action more than three years after the date proof of loss is required.