New York State Life Insurance Exam Questions Practice Question
A policy may contain provisions excluding or restricting coverage as specified in the event of death under all of the following EXCEPT
Correct Answer: A
Rationale: In insurance policies, exclusions typically apply to high-risk activities or circumstances. Options B, C, and D represent scenarios where coverage is often limited due to the inherent risks involved: licensed pilots face aviation risks, war or acts of war are unpredictable and perilous, and suicide is frequently excluded due to moral hazard concerns. Conversely, fare-paying passengers traveling via commercial transportation are generally covered, as commercial airlines adhere to strict safety regulations, making this scenario less risky. Therefore, option A stands apart as the exception.
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