North Dakota Century Code Title 26.1. Insurance § 26.1-33-26. Benefits on default off the anniversary--Exempted benefits

1. In the event of death or dismemberment by accident or accidental means;

2. In the event of total and permanent disability;

3. As reversionary annuity or deferred reversionary annuity benefits;

4. As term insurance benefits provided by a rider or supplemental policy provision to which, if issued as a separate policy, sections 26.1-33-18 through 26.1-33-28 would not apply;

5. As term insurance on the life of a child or on the lives of children provided in a policy on the life of a parent of the child, if such term insurance expires before the child's age is twenty-six years, is uniform in amount after the child's age is one year, and has not become paid up by reason of the death of a parent of the child; and

6. As other policy benefits additional to life insurance and endowment benefits, and premiums for all such additional benefits, must be disregarded in ascertaining cash surrender values and nonforfeiture benefits required by sections 26.1-33-18 through 26.1-33-28, and no such additional benefits may be required to be included in any paid-up nonforfeiture benefits.