Which of the following exclusions may NOT be found in a life insurance policy?

Many life insurance policies include a suicide exclusion clause, typically applicable within the first two years of the policy. This clause prevents claims for death resulting from suicide, which insurers view as a higher risk. After the exclusion period, if the insured commits suicide, the beneficiaries may still receive the death benefit, but the clause initially protects the insurer from immediate claims.

Aviation exclusions are often included in life insurance policies, particularly for high-risk activities such as piloting aircraft. Insurers may exclude coverage for deaths resulting from flying, especially if the insured is a private pilot or engages in risky flights, to mitigate the elevated risk associated with aviation accidents.

War exclusions are standard in life insurance policies as they cover deaths resulting from acts of war or military service. This exclusion is in place because the risks associated with war are significantly higher, and insurers often restrict coverage to protect against potential financial losses linked to such events.