Washington Life Producer Practice Exam

Which military service exclusion clause would pay upon the death of an active duty serviceman?

1. War clause

2. Service-related exclusion

3. Results clause

4. Death benefit clause

The correct answer is: Results clause

The results clause is relevant in the context of military service exclusion because it specifically pertains to the outcomes of events that occur while a policyholder is engaged in dangerous activities, such as active military service. This clause can allow for coverage in the event of death, even if the deceased is on active duty, depending on the specifics of the insurance policy. In many insurance policies, there are typically exclusions related to war or service in the military. These exclusions often prevent the policy from paying death benefits if the policyholder dies as a result of their military service. The results clause provides a framework where the consequences of service can still be considered for benefits, allowing for a payout in certain circumstances, which aligns with the query about coverage for death while on active duty. This nuance highlights that while there are generally risks associated with military service, the results clause may create exceptions where the insurance can still provide benefits, making it the correct choice in this scenario.