Are there any causes of death that are excluded by a term life insurance policy?

Yes, there are several exclusions in a term life policy, included but not limited to the following:

• Suicide if it occurs within the first two years you are insured (one year in some states).
  
• Illegal Activity.
  
• Dangerous Activity.
  
• Act of War.
  
• Aviation.

These are some of the more common types of exclusions that would be stated in an insurance contract providing term life insurance coverage.

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Are there any exclusions on a life insurance policy?

This is an important question because life insurance has no standard policy that applies to everyone.

Life insurance policy terms, prices, and exclusions may vary widely by life insurance carrier. But in general, life insurance companies are in the business of offering coverage to as many customers as possible, not turning business away.

Many high risk activities such as race car driving and mountain climbing that might ha...

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