All of these plans are common exclusions to a life insurance policy EXCEPT

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

Answer: (A)

Exclusions are the situations where a life policy won’t pay the death benefit. Among common exclusions are suicide within the contestability period, death during war or military service, and death due to aviation hazards. Suicide is typically excluded for a limited time after policy issue; deaths from war or military service are excluded; and deaths involving aviation hazards are often excluded, especially for pilots or high-risk flying.

Accidental death, however, is not a typical exclusion in a standard life policy. The death benefit usually covers death from most causes, including accidents, unless the death falls under a specific rider or another excluded scenario. Many buyers even add an accidental death rider to boost the payout specifically for accidental death. So accidental death is the exception to these exclusions.