Tennessee Insurance Exam 2025 – 400 Free Practice Questions to Pass the Exam

The war exclusion clause is designed to limit coverage based on specific conditions related to the cause of death. This provision typically excludes payment of benefits if the insured dies as a result of war or related hostilities. Insurers include this clause to mitigate risk associated with high-mortality events such as armed conflict, where the likelihood of claims increases significantly.

In contrast, the suicide provision primarily addresses the circumstances under which a death by suicide may not be eligible for benefits, generally only during a specified period after policy issuance. The guaranteed insurability option allows a policyholder to purchase additional coverage without evidence of insurability, which does not influence coverage limitations based on the cause of death. The policy loan provision relates to the ability of the policyholder to borrow against the cash value of the policy and is unrelated to coverage limitations based on death scenarios.