An exclusion found in a life policy may limit the insurance company's liability if death occurs as a result of:

Civil disobedience generally refers to the act of intentionally breaking the law to protest government policy. While it can lead to dangerous situations, it is not typically classified as a risk that life insurance policies explicitly exclude. Insurers usually cover deaths resulting from civil disobedience unless specific actions within that context are named as exclusions.

Homicide, or the act of one person killing another, is not typically excluded from life insurance coverage. In fact, policies often specify that if the insured is murdered, the designated beneficiaries may still receive the death benefit, although some policies may impose restrictions if the insured was complicit in their own death.

Automobile accidents are generally covered by life insurance policies, as they are common and insurable events. While insurers may have certain stipulations regarding reckless driving or driving under the influence, the majority of automobile-related deaths do not fall within the realm of exclusions.