Life insurance policies will normally pay for losses arising from which scenario?

• A. Commercial aviation
• B. Fires in the home
• C. Industrial accidents
• D. Acts of war

Answer: (A)

Life insurance is designed to pay a death benefit when the insured dies, and that coverage generally extends to death occurring during commercial air travel when the insured is merely a passenger. Policies commonly exclude or limit coverage for extreme situations like acts of war, but being a passenger on a commercial flight is a typical scenario that falls within the scope of a life policy. Fires in the home are handled by homeowners or renters insurance (not life insurance), industrial accidents fall under workers’ compensation or specific accident coverage, and acts of war are usually excluded from life policies. So, commercial aviation as a passenger is the scenario life insurance will normally pay for.