A life insurance policy normally contains a provision that restricts coverage in the event of death under all of the following situations EXCEPT

• A. Suicide
• B. Hazardous Occupation
• C. War or Aviation Hazard
• D. Fare-Paying Passenger

Answer: (D)

The main idea is that standard life insurance policies include exclusions for certain high-risk ways of dying, but not for ordinary travel as a fare-paying passenger. A life policy typically restricts coverage for death by suicide (often within a contestability period), for death while engaged in hazardous occupations or activities, and for death due to war or aviation hazards. These exclusions reflect the insurer’s higher risk in those scenarios. In contrast, dying while traveling as a fare-paying passenger on a regular commercial carrier is generally covered, so it is the situation that is not normally restricted.