What can exclude coverage under a life insurance policy?

Participation in extreme sports can exclude coverage under a life insurance policy because these activities often carry a higher risk of injury or death compared to standard activities. Insurers assess risk when determining coverage and may classify extreme sports as high-risk undertakings. As a result, they often include exclusions for injuries or fatalities that arise from such activities in the policy terms. This means if a policyholder participates in extreme sports and suffers an injury or death related to that activity, the insurer may deny the claim based on the exclusion in the policy.

In contrast, normal medical procedures, routine health check-ups, and a person's age are generally not considered exclusions in standard life insurance policies. Medical procedures and check-ups are often covered, and age alone does not automatically exclude someone from coverage, although it can affect premium rates and eligibility. Thus, participation in extreme sports specifically represents a significant risk factor that insurers may exclude from coverage.