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A Special Notice to Washington Residents, or those from Oregon or Idaho who work in Washington

7 Exclusions To Your Typical Life Insurance Plan

October 3, 2017

Life insurance is one of the most effective ways to ensure your family is protected. Should you suddenly become incapacitated or pass away, life insurance funds can be paid at once to the named beneficiaries without any concern about taxes or delays related to probate. However, when buying a life insurance policy, the one person who truly has your back is your agent.

Every life insurance company and individual policy varies in the terms of the policy, cost, and exclusions. However, the most common exclusions and provisions found in life insurance policies include:

  • Failure to disclose a known health condition. If you buy a life insurance policy and have a health condition that you don’t reveal, the life insurance company has the right to contest the payment of benefits. 
  • Accidental death life insurance policies only cover accidental death, not death from natural causes, illnesses, or diseases. It is advised that you are covered for all eventualities, rather than only accidental death. 
  • Exclusions for illegal or intentional acts. Many policies have an exclusion in which the death benefit will not be paid if you die while under the influence of drugs or alcohol, or while committing an illegal act of any type.
  • Death by suicide. This exclusion is generally written to state that if the person commits suicide within the first two years of owning the policy, the policy will pay out only the amount paid in premiums, not the death benefit.
  • Dangerous activities. This exclusion can come into play in cases in which a person dies while engaged in a dangerous activity, such as mountain or rock climbing, racing, etc. If you are an extreme sports enthusiast, make sure you understand the fine print. You may be able to obtain coverage for these activities by paying a higher premium.
  • Aviation. This exclusion means that the insurance company will not pay if the insured person dies in a private plane accident, and only pays for death on a commercial flight.
  • War. Death from acts of war may be excluded in many policies.

Your Life Insurance Agent Can Help

When purchasing the right life insurance policy, get help from our friendly local agency. Your policy can be customized to meet your specific requirements and lifestyle choices.

We work closely with each of our clients, we always seek the best coverage at the lowest rates, and we discuss the policy exclusions so you know before you go. 

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Below is a link to the state of Washington government website that oversees the state mandated long-term care insurance program known as the Cares Fund. The website provides up-to-date, real time information about how the program is being administered, recommended improvements to the plan from a special oversight taskforce, and the ability to participate in Zoom meetings relating to the Cares Fund and the opportunity to provide comments and suggestions to state legislators and administrators of the program.