Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A life insurance policy contains an aviation exclusion clause. Which of the following deaths would most likely be excluded from coverage?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Aviation exclusions typically apply to deaths arising from operating or riding in noncommercial, private aircraft, where the insured controls or participates in the flight and risk is elevated. Scheduled commercial airline passengers are not subject to the exclusion. This is one of the policy exclusions covered under objective LIFE-II.E.11, along with war, military service, and illegal activity exclusions.
Why the other options are wrong
- B) Commercial airline travel is generally covered; aviation exclusions target private and noncommercial flying.
- C) Death from natural causes in a hospital has nothing to do with aviation and is covered.
- D) An automobile accident is not an aviation loss and is not affected by the aviation exclusion.
Memory hook
Aviation exclusion = private flying risk. Boarding a commercial jet does not void the policy.