A standard 'aviation exclusion' in an individual life insurance policy typically excludes death resulting from:

Explanation

Aviation exclusions, when used, are narrowly drafted under California Insurance Code §10110 and standard ICA-approved forms. The exclusion typically denies coverage when the insured is killed while acting as a pilot, student pilot, or crew member, or while flying in private, experimental, military, or non-scheduled aircraft. Death as a fare-paying passenger on a regularly scheduled commercial airline is virtually always COVERED, because that risk is actuarially predictable and reflected in standard mortality tables. The version excluding all aviation activity of any kind, including scheduled commercial travel, overstates the clause by sweeping in travel that is in fact covered. The version excluding only a scheduled commercial airline crash while leaving private flying, student piloting and crew duty fully covered is exactly inverted. And extending the clause to automobiles and motorcycles conflates aviation with auto exclusions. As with the war clause, when the exclusion applies the insurer's liability is generally limited to a return of premiums.