(1) Any contract to which the rates provided by ARM 6.6.1103 apply may contain provisions excluding or restricting coverage in the event of intentional and self-inflicted injury, foreign travel or residence, flight in non-scheduled aircraft, or war or military service.

(2) If more restricted coverage is to be provided, there must be an appropriate reduction in the foregoing premium standards.

(3) Except in unusual cases, such insurance should not be sold to military persons.