Under war exclusions, what happens if death results from war?

• A. If death occurs due to war, the death benefit is paid; premiums are refunded
• B. If the insured dies because of war, the death benefit will not be paid, and premiums paid plus interest are refunded
• C. War exclusions apply only to air travel
• D. War exclusions apply only to natural disasters

Answer: (B)

War exclusions mean that death caused by war is not covered by the policy. In this scenario, if the insured dies as a result of war, the death benefit is not paid. Instead, the policy often provides for a refund of all premiums paid, with interest. This reflects that the policy is void or not in force due to the excluded cause, and the insurer returns the funds that were paid for coverage that could not be used.

This isn’t about paying the death benefit, so the option stating a payout would be incorrect. It also isn’t limited to air travel or natural disasters—the exclusion applies to death from war in general, not just specific situations.