Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Life insurance policy general exclusions typically include all of the following EXCEPT:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Life insurance policies commonly exclude or limit death caused by war or military service, aviation (under certain aviation exclusions), illegal activity, and hazardous occupations or avocations that are excluded by endorsement. Death from natural causes is the core risk the policy is designed to cover and is never a general exclusion; if the insured dies from natural causes in the first year, the policy pays, subject only to the suicide and incontestability provisions.
Why the other options are wrong
- B) War and military service exclusions are standard in many life policies, limiting or eliminating coverage for such losses.
- C) Death resulting from illegal activity is a recognized exclusion because the contract excludes coverage for losses arising from unlawful conduct.
- D) Hazardous avocations can be excluded through an endorsement, sometimes with a refund of premium.
Memory hook
Exclusions target war, flying, felonies, and dangerous hobbies. Dying of ordinary causes is exactly what the policy is for.