Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which of the following is a common exclusion found in life insurance policies?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Life insurance policies commonly exclude deaths resulting from war or military service and from private or hazardous aviation, risks that are catastrophic, difficult to price, and often present when the policy is purchased. Deaths from illness, disease, or ordinary accidents, including automobile accidents, are covered causes. Hazardous avocations or occupations may be excluded by endorsement or charged a higher premium, and a premium is typically refunded if coverage is excluded for such a reason.
Why the other options are wrong
- B) Death from heart disease is a natural, covered cause of death, not an exclusion.
- C) Cancer after the contestable period is fully covered; the contestable period concerns fraud, not disease exclusions.
- D) Automobile accidents are covered causes of death, not excluded events.
Memory hook
Exclusions target war, military service, and dangerous aviation, not illness or ordinary accidents.