Exclusions will vary based on the insurance company but some of the more
common policy exclusions include:
Not exact matches
If your cat was treated for Feline Immunodeficiency Virus before you purchased the
policy, any subsequent Feline Immunodeficiency Virus treatments are not covered, find here a list of
common exclusions on most pet insurance
policies.
The court also upheld State Farm's flood
exclusion as applying to hurricane storm surge, and said that the anti-concurrent cause language in State Farm
policies overturns a
common law doctrine of property loss causation called «efficient proximate cause.»
Here are
common exclusions for accidental death
policies (meaning you won't get paid if your death results from these activities):
One
common exclusion will be that suicide will not be covered for the first 2 - 3 years once the
policy goes in force (individual carriers may vary on this
exclusion so be sure to ask specifically if this is a concern for you).
A very
common strategy with ILIT's, is to use your annual gift tax
exclusion to effectively remove assets from your estate and the trustee can then use the funds to purchase a life insurance
policy for the sole purpose to pay your federal estate tax bill.
See what travel insurance does not cover for an good overview of
common travel insurance
exclusions and read your own
policy for specifics.
Following are some
common coverage
Exclusions in an accidental insurance
policy.
Exclusions are kept in a
policy to mitigate the most
common and potential risk for the insurance company.
The following examples are a few
common life
policy exclusions:
Have you heard about
common practices, insurance
policies will ALWAYS have covered reasons and
exclusions!
Other
policies contain separate
exclusions for each type of coverage and
common exclusions that apply to all coverages.
A
common outcome of the form revision process is the addition or modification of
policy exclusions.
This is a
common exclusion in insurance
policies, so be sure to specifically ask your insurance agent about whether or not your personal property is insured under all circumstances.
Some
policies also contain a list of
common exclusions, which apply to all coverages.
The other
common exclusion is a two - year contestability clause on almost all life insurance
policies.
Though these are the most
common, many others may be included as well, so be sure to understand all
exclusions before purchasing your
policy.
The most
common exclusions in life insurance
policies are the following: grace period provision, ownership clause, change of plan provision, incontestability clause and a reinstatement clause.
Following is the list of
common exclusions available with a single trip travel insurance
policy.
There are a few
common exclusions in a term
policy including a 2 - year suicide
exclusion, which means if the insured dies as a result of suicide within the first two years of being insured, there is no payout (one year in some states).
Aviation
Exclusion Clause: This is a common exclusion in life insurance policies indicating that coverage does not apply unless the insured person was a passenger on a regularly scheduled
Exclusion Clause: This is a
common exclusion in life insurance policies indicating that coverage does not apply unless the insured person was a passenger on a regularly scheduled
exclusion in life insurance
policies indicating that coverage does not apply unless the insured person was a passenger on a regularly scheduled airline.
The
common exclusions in travel insurance
policies include pre-existing medical conditions, unlicenced operation of a vehicle, travelling for the purpose of receiving medical treatment, elective surgery or treatment, or injury or illness caused by alcohol, drug use, or reckless behavior, including engaging in some sporting activities.
Though different
policies have different advantages, some
common exclusions are -
The
common exclusions under the
policy are violation of
policy terms, negligence of consignor and financial default or insolvency
Act of war
exclusions were
common in term life insurance
policies sold before the 1970s.
The only
common exclusion in today's term life insurance
policies is suicide.
Known as «disparate impact» discrimination, the problem is that blanket
policies may disproportionately exclude protected classes (based on racial groups, gender, or one of several other categories) from employment because the reason for
exclusion is more
common in a certain group.