Besides the suicide provision, O.C.G.A. § 33-25-5 permits an individual life policy in Georgia to exclude liability for death from certain causes. Which of the following is a permitted exclusion under § 33-25-5(a)?

Why A is correct

Under O.C.G.A. § 33-25-5(a), an individual life policy may exclude liability for death by suicide and for death resulting from war (declared or undeclared), aviation, a named hazardous occupation, or residence outside the continental United States and Canada. The other choices describe limitations that Georgia law does not recognize: sickness-based exclusions are constrained by the incontestability rules, and neither delivery county nor the free-look period creates a cause-of-death exclusion.

Why the other options are wrong

• B) A blanket sickness exclusion is not among the permitted life exclusions and would collide with the incontestability scheme of § 33-25-3.
• C) Travel outside the delivery county has no exclusionary effect; the statute speaks of residence outside the continental United States and Canada.
• D) The free-look period concerns returning the policy for a refund, not excluding causes of death.

Memory hook

War, aviation, hazardous job, abroad — the Georgia life exclusion list.