ING 3 ways of not paying out the death benefit to the beneficiary

There are 3 ways that ING life insurance company won't pay out the death benefit.

1) If you commit suicide within the first 2 years. After 2 years the life insurance company will have to pay out the death benefit.
2) If you misrepresented on the application for the first 2 years. After 2 years the life insurance company will have to pay out the death benefit.
3) If you die from committing a criminal activity (ex: your robbing a bank and the police offer kills you in a stand up)