Under a typical life insurance aviation exclusion, coverage for death resulting from aviation is usually:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Standard life insurance policies generally cover passengers on scheduled commercial airline flights, because that risk is considered acceptable. Aviation exclusions typically apply to private or small aircraft, noncommercial, experimental, or hazardous flying, where the risk is materially higher. A hazardous aviation activity may be excluded by endorsement, and the premium is adjusted accordingly. The exclusion does not apply to passengers on commercial airlines. Understanding the scope of the aviation exclusion helps agents explain when coverage applies and when it does not.
Why the other options are wrong
- Scheduled commercial airline travel is ordinarily covered without an exclusion; only hazardous or noncommercial flying is typically excluded.
- No standard provision doubles the death benefit during flight; the aviation exclusion simply removes coverage for certain flight risks.
- The exclusion is not limited to aircraft the insured owns; it applies to risky flying generally, including rented or borrowed aircraft.
Memory hook
Fly commercial and you are covered; take up barnstorming and the aviation exclusion lands on you.