2. That the cause of the death of the insured is excepted risk;
3. That the premiums have not been paid;
4. That the conditions of the policy relating to military or naval service have been violated;
5. That the fraud is of a particularly vicious type, wherein:
a. The policy was taken in furtherance of a scheme to murder the insured;
b. The insured instituted another person for the medical examination; and,
c. The beneficiary feloniously killed the insured;
6. That the beneficiary failed to furnish proof of death or to comply with any condition imposed by the policy after the loss has happened; or,
7. That the action was not brought within the time specified