State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC §10206.5, a California group life policy may limit or deny liability for death caused by:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC §10206.5 permits a group life policy to provide that the insurer is not liable, or is liable only in a reduced amount, for losses arising from war or act of war, military or naval service, or aviation. These are optional exclusion provisions the policy may include to avoid pricing for extraordinary combat or aviation hazards. Ordinary perils — auto accidents, heart disease, work-related injury — are covered by the group policy and are not legitimate exclusion categories under this section; excluding them would gut the coverage's purpose.
Why the other options are wrong
- B) An automobile accident is a normal insurable peril and cannot be excluded under §10206.5, which addresses war, military or naval service, and aviation.
- C) Heart disease is the ordinary subject matter of life insurance and is priced through underwriting, not excluded under the group military and aviation provision.
- D) Work-related injuries are typically covered by the group policy. §10206.5 concerns extraordinary combat and aviation hazards, not occupational injuries.
Memory hook
Fight a war or fly a fighter under the group policy — the fine print may sit out that claim.