An individual Michigan life policy limits the death benefit payable if the insured dies as a result of aviation or military service. Under Michigan law, this limitation:

Why B is correct

M.C.L. 500.4042 permits individual life policies to limit liability for deaths from aviation or military service, but it draws a boundary: the limitation cannot apply to supplementary accidental-death benefits. In industrial policies, the statute additionally requires payment of at least the policy reserve despite the limitation. So the base death benefit can be limited for these hazardous activities, while the separately purchased accidental-death supplement stays outside the limitation.

Why the other options are wrong

• A) The limitation is expressly authorized by M.C.L. 500.4042, so it is not void; only its reach over supplementary accidental-death benefits is barred.
• C) The limitation is permitted in ordinary individual policies as well; the industrial-policy rule under M.C.L. 500.4042 simply requires paying at least the reserve.
• D) The statute specifically shields supplementary accidental-death benefits, so the limitation does not extend to every rider.

Memory hook

Aviation limits fly, but they can't land on the accidental-death rider.