Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
If the insured dies while committing a felony, a life insurance policy with a standard illegal-activity exclusion will likely:
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
Life insurance policies typically exclude or restrict coverage for death resulting from the insured's illegal activity, such as dying during the commission of a felony. Public policy does not favor paying benefits to further unlawful conduct. The exclusion is stated in the policy, and if the excluded hazard caused the death, the insurer is not liable for the benefit under that exclusion.
Why the other options are wrong
- B) The exclusion denies or limits coverage; it never increases the payout to double the face amount.
- C) The policy does not substitute the cash value for the face amount under an illegal-activity exclusion.
- D) The insurer does not add interest; the exclusion operates to deny coverage for the illegal act.
Memory hook
Death while committing a crime = the policy steps aside. Illegal acts void the coverage they cause.