All of these are standard exclusions found in a life insurance policy EXCEPT

• A. Disability
• B. Suicide
• C. War or military service
• D. Aviation hazards

Answer: (A)

Understanding standard exclusions helps explain why some deaths aren’t covered by a life policy. A life insurance policy normally pays the death benefit for most causes of death, but it excludes certain high-risk situations. Those commonly listed exclusions include death during suicide (often within a specific period after issue), death during war or military service, and death during aviation hazards (especially if the insured is a pilot or engaged in risky flying activities).

Disability is not typically an exclusion that voids a life insurance payout. If the insured dies, the policy still pays the death benefit regardless of prior disability. Disability protections and riders—such as waiver of premium or disability income benefits—exist separately and don’t remove the death benefit when death occurs. So the item that isn’t a standard exclusion is disability.