Relevant to the mental processes of comprehension, judgment, memory, perception, and reasoning as compared with emotional and volitional processes.

Deterioration or loss of intellectual capacity that requires continual supervision to protect the insured or others, as measured by clinical evidence and standardized tests that reliably measure impairment in the area of (1) short- or long-term memory; (2) orientation as to person, place, and time; or (3) deductive or abstract reasoning. Such loss in intellectual capacity can result from Alzheimer’s disease or similar forms of senility or irreversible dementia.