Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A life insurance policy with a standard aviation exclusion generally covers death while:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Aviation exclusions are designed to exclude high-risk, non-commercial aviation activities. A standard exclusion typically does not apply to passengers flying on a scheduled commercial airline, because that risk is already reflected in normal mortality. The exclusion targets private and non-scheduled flying, such as piloting one's own plane, acting as a crew member on chartered or corporate aircraft, crop dusting, or military aviation. Some policies restrict coverage for private flying unless the insured pays an additional premium.
Why the other options are wrong
- B) Private piloting is a classic excluded activity under an aviation exclusion because private flying presents significantly higher risk.
- C) Acting as crew on a chartered or corporate aircraft is non-scheduled aviation and is typically excluded.
- D) Skydiving from a private plane falls within hazardous non-commercial aviation and is excluded.
Memory hook
Commercial seats are covered; your own cockpit usually isn't.