A life insurance policy may exclude death caused by:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Life policies may contain aviation exclusions that limit coverage for death arising from hazardous aviation — private, non-scheduled flying, crop dusting, test piloting, or military aviation. Routine passenger travel on scheduled commercial airlines is generally not excluded, because that risk is considered minimal and standard-priced. Exclusions apply to stated perils — war, aviation, illegal activity, hazardous avocations — not to natural causes or simply being old. If an insured takes up private flying after issue, the insurer may add an exclusion or endorsement, sometimes with a refund of premium for the excluded risk.
Why the other options are wrong
- B) Routine passenger travel on scheduled commercial airlines is considered a minimal, standard-priced risk and is generally not excluded from life policies.
- C) Natural causes like heart disease are evaluated through underwriting and pricing, not excluded perils. Exclusions target specific hazards such as war, aviation, and illegal activity.
- D) Advanced age affects premium rates and eligibility but is not an excluded cause of death. The exclusion provision identifies perils, not the insured's age.
Memory hook
Commercial flight: covered. Solo stunt flying: check the fine print.