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. Option A overstates by including covered commercial travel. Option B is inverted (commercial death is normally covered). Option D 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.
Law Reference: California Insurance Code §10110 (permissible exclusions); standard aviation clausePractice all 315 questions free — no signup required.
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