Exclusions limit coverage for high-risk or extraordinary events.
Common life insurance exclusions.
Suicide: Usually excluded during the first two policy years.
Aviation: May exclude non-commercial or private aviation.
War: Often excluded due to catastrophic risk.
Why accidental death is not an exclusion.
Accidental death is a covered cause of death, and often provides enhanced benefits under riders.
Evaluate each option.
A. Suicide – exclusion
B. Accidental death – covered peril
C. Aviation – possible exclusion
D. War – possible exclusion
Maryland policy drafting relevance.
Maryland requires exclusions to be clearly stated and not misleading.
Conclusion.
Accidental death is not an exclusion.
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