Exclusion

An exclusion is a specific condition, circumstance, or cause of death that is explicitly not covered by a life insurance policy. Common exclusions include death by suicide within the first two years of the policy (the suicide clause), death resulting from aviation in non-commercial aircraft, participation in illegal activities, or acts of war. Exclusions must be clearly stated in the policy contract and disclosed during the application process. Additional exclusions can be added as riders if the insurer is willing to cover a high-risk activity at a higher premium, or the activity may simply result in a policy denial. After the contestability period, most policies become incontestable except in cases of intentional fraud.