Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A life insurance policy is issued with an aviation exclusion endorsement because the insured flies private aircraft. If the insured later dies in an automobile accident, the insurer will most likely:
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
An aviation or hazardous-avocation endorsement excludes coverage for death caused by the specified activity, such as private flying or skydiving. If death results from an unrelated cause, the full death benefit is payable because the exclusion is limited to the described risk. Such endorsements are used to remove coverage for extra-hazardous exposures while keeping the insured covered for ordinary risks.
Why the other options are wrong
- B) Exclusions apply only to the specific causes named; an unrelated cause of death remains fully covered.
- C) A return of premiums is typically the remedy when death occurs FROM the excluded activity, not from an unrelated accident.
- D) The cash value is not substituted for the death benefit when the insured dies from a covered cause.
Memory hook
An exclusion is a sniper, not a shotgun: it cancels only the named risk, and every other cause still pays.