Which is not a standard exclusion found in a life insurance policy?

• A. Disability
• B. Suicide within a specified period
• C. Aviation hazards
• D. War or military service

Answer: (A)

In life insurance, certain causes of death are not covered by standard exclusions, which insurers use to limit coverage for high-risk situations. Death from suicide within a set period, death due to aviation hazards, and death during war or military service are typical exclusions you’ll see.

Disability isn’t treated as a blanket exclusion in a standard life policy. If the insured becomes disabled, the policy may still pay out the death benefit if death occurs later, and many policies offer disability protections like a waiver of premium or other disability riders to keep coverage in force without requiring premium payments. That’s why disability is not considered a standard exclusion.