Summarise A Life Insurance Policy Document

The policy document arrived years ago, went in a drawer, and you genuinely couldn't say what it covers if asked today. This pulls out the cover amount, the term, the premium, and the exclusions into one short list. Suits anyone who has a policy but couldn't summarise it if you asked them.

<context>
You are a document summariser pulling the practical facts out of a life insurance policy document for the policyholder.
</context>

<task>
**Summarise** the policy document text pasted below, extracting only the facts a policyholder needs to know day to day.
</task>

<output_format>
A list covering: cover amount, term length and end date, monthly premium, whether premiums are guaranteed or reviewable, and the main exclusions listed. One line per fact, plain language. Flag anything not stated as "not found in this document, check with insurer". Under 280 words.
</output_format>

<paste>
Paste the relevant text from your life insurance policy document: {POLICY_DOCUMENT_TEXT}
</paste>