Policy Riders, Provisions, Options, and Exclusions
A life policy contains a status-type war exclusion and the insured, a service member, dies of an illness while stationed overseas in peacetime. How does the exclusion operate?
Answer and explanation
Answer: B. A status war clause keys the exclusion to the insured's membership in the armed forces, so a death occurring while the insured holds that status can be excluded regardless of its cause. A results clause instead requires the death to result from war.Source: NAIC Life Insurance Buyer's Guide — Policy exclusions: war and military service clauses
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