Which is not a standard exclusion?

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

Answer: (B)

The main idea is how insurance policies handle high-risk situations by using standard exclusions. Insurers typically exclude certain causes of loss to avoid paying for risks with very high or unpredictable costs.

Suicide is a standard exclusion because the policy is designed to provide a benefit if the insured’s death is unexpected or accidental, not self-inflicted during the initial period after issue. Aviation is another common exclusion, since flying—especially outside normal passenger roles—carries greater risk and is often not covered unless the insured is a fare-paying passenger in a licensed aircraft. War or military service is also a standard exclusion due to the dangers and complexities of combat, which insurers generally don’t cover.

Disability, on the other hand, isn’t a standard exclusion. Disability benefits are usually addressed through separate disability income policies or riders (such as a waiver of premium if disability occurs) rather than being excluded from coverage in a life or health policy. So disability isn’t treated as a standard exclusion, which is why it’s the correct choice here.