{"id":3854,"date":"2021-09-24T16:35:46","date_gmt":"2021-09-24T08:35:46","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=3854"},"modified":"2026-02-07T20:31:12","modified_gmt":"2026-02-07T12:31:12","slug":"exclusions-what-life-insurance-doesnt-cover","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover","title":{"rendered":"Exclusions: What life insurance doesn&#8217;t cover"},"content":{"rendered":"\n<p>Life insurance is designed to provide financial protection to you and your loved ones \u2014 especially if you become totally and permanently disabled or if you pass away. But it\u2019s just as important to understand <strong>what life insurance <em>doesn\u2019t<\/em> cover<\/strong>, because exclusions determine when a policy won\u2019t pay benefits even if a claim is made.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d76ae8cbce2\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d76ae8cbce2\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#How_can_life_insurance_help_you_or_your_dependents\" title=\"How can life insurance help you or your dependents?\">How can life insurance help you or your dependents?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#What_Are_Exclusions\" title=\"What Are Exclusions?\">What Are Exclusions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#These_are_some_other_common_%E2%80%9Cexclusions%E2%80%9D_in_life_insurance_that_you_should_know\" title=\"These are some other common &#8220;exclusions&#8221; in life insurance that you should know.\">These are some other common &#8220;exclusions&#8221; in life insurance that you should know.<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#1_Pre-existing_conditions\" title=\"1. Pre-existing conditions\">1. Pre-existing conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#1_Pre%E2%80%91Existing_Conditions\" title=\"1. Pre\u2011Existing Conditions\">1. Pre\u2011Existing Conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#2_Suicide_and_Self%E2%80%91Inflicted_Harm\" title=\"2. Suicide and Self\u2011Inflicted Harm\">2. Suicide and Self\u2011Inflicted Harm<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#3_Dangerous_Activities_and_High%E2%80%91Risk_Hobbies\" title=\"3. Dangerous Activities and High\u2011Risk Hobbies\">3. Dangerous Activities and High\u2011Risk Hobbies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#4_Illegal_Acts_or_Criminal_Behavior\" title=\"4. Illegal Acts or Criminal Behavior\">4. Illegal Acts or Criminal Behavior<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#5_War_Terrorism_and_Civil_Unrest\" title=\"5. War, Terrorism, and Civil Unrest\">5. War, Terrorism, and Civil Unrest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#6_Fraud_and_Misrepresentation\" title=\"6. Fraud and Misrepresentation\">6. Fraud and Misrepresentation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#7_Death_Under_Influence_of_Alcohol_or_Drugs\" title=\"7. Death Under Influence of Alcohol or Drugs\">7. Death Under Influence of Alcohol or Drugs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#What_This_Means_for_You\" title=\"What This Means for You\">What This Means for You<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_can_life_insurance_help_you_or_your_dependents\"><\/span>How can life insurance help you or your dependents?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Life insurance will provide a lump sum to you or your beneficiaries in the event that: 1)&nbsp; you totally and permanently lose your physical ability and become unable to earn income, or 2) pass away.&nbsp;<\/p>\n\n\n\n<p>The payout can be used for any purpose and can help you get the necessary treatment and maintain your living. Should you pass on, the lump sum will be paid out to your dependents (or other named beneficiaries), relieving their financial burden while they cope with your passing and look for other means of income.<\/p>\n\n\n\n<p><strong>But pay serious attention to cases where your life insurance won\u2019t cover. These cases are called exclusions.<\/strong> <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Exclusions\"><\/span><strong>What Are Exclusions?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cExclusions\u201d are situations or events that your life insurance policy explicitly <strong>does not cover<\/strong>. They are part of every life insurance contract and protect insurers from bearing risks they never agreed to insure. Before signing any policy, it\u2019s essential to know what is excluded so you\u2019re not caught off guard when filing a claim later.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"These_are_some_other_common_%E2%80%9Cexclusions%E2%80%9D_in_life_insurance_that_you_should_know\"><\/span>These are some other common &#8220;exclusions&#8221; in life insurance that you should know.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Pre-existing_conditions\"><\/span>1. Pre-existing conditions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4097\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/attachment\/pexels-pixabay-159211\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-pixabay-159211\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4097\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?w=800&amp;ssl=1 800w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-pixabay-159211.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Here are some standard exclusions that appear in most life insurance policies in Malaysia and globally:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Pre%E2%80%91Existing_Conditions\"><\/span><strong>1. Pre\u2011Existing Conditions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pre\u2011existing medical conditions refer to health issues that <strong>existed before you bought the policy<\/strong>, such as heart disease, diabetes, epilepsy, or cancer. If not disclosed or accepted by the insurer during underwriting, claims related to these conditions may be <strong>denied<\/strong>.<\/p>\n\n\n\n<p><strong>Note:<\/strong> Some policies may cover pre\u2011existing conditions <em>after a waiting period<\/em> or with higher premiums, but this depends on the insurer\u2019s underwriting. Always read the policy wording carefully.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Suicide_and_Self%E2%80%91Inflicted_Harm\"><\/span><strong>2. Suicide and Self\u2011Inflicted Harm<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most life insurance policies exclude payouts if <strong>death is due to suicide or intentional self\u2011harm<\/strong>, especially within the first <strong>12\u201324 months<\/strong> of the policy\u2019s start. In many cases, insurers will only return premiums paid instead of paying a death benefit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Dangerous_Activities_and_High%E2%80%91Risk_Hobbies\"><\/span><strong>3. Dangerous Activities and High\u2011Risk Hobbies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img data-attachment-id=\"4088\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/attachment\/pexels-dana-tentis-356289\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-dana-tentis-356289\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?resize=800%2C400&#038;ssl=1\" alt=\"Cases that life insurance doesn't cover\" class=\"wp-image-4088\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-dana-tentis-356289.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If your disability or death happens from activities considered <strong>high risk<\/strong> \u2014 like professional motor racing, skydiving, scuba diving, or other extreme sports \u2014 some insurers won\u2019t pay the benefit unless the activity is declared and accepted with extra premium or rider coverage.<\/p>\n\n\n\n<p>Some insurers will not pay any total and permanent disability benefit, should your disability be directly or indirectly caused by engagement in:<\/p>\n\n\n\n<ol><li>Extreme professional sports such as:<ol><li>Scuba diving<\/li><li>Racing<\/li><li>Aerial flights (other than as a: 1) crew member, or 2) passenger on a licensed passenger-carrying commercial aircraft)<\/li><\/ol><\/li><li>Dangerous activities such as:<ol><li>Bungee jumping<\/li><li>Parachuting<\/li><li>Sky-diving<\/li><\/ol><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4090\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/attachment\/pexels-arun-mathew-1486036-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-arun-mathew-1486036-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4090\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-arun-mathew-1486036-1.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><em>Scenario<\/em>:<\/p>\n\n\n\n<p>After being homebound for a few months, Elly went sky-diving in Langkawi for a weekend getaway. Her holiday turned into a tragedy as she forgot to slow down on landing, disabling both of her legs when they came into contact with the ground. Unfortunately, Elly couldn\u2019t get any total and permanent disability benefits from her insurance.<\/p>\n\n\n\n<p>What happened to Elly could happen to anyone. <em>Before<\/em> you think about participating in extreme professional sports or doing dangerous activities that could risk your life, please read your policy fine print as they may be exclusions under your policy.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Illegal_Acts_or_Criminal_Behavior\"><\/span><strong>4. Illegal Acts or Criminal Behavior<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4093\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/exclusions-what-life-insurance-doesnt-cover\/attachment\/pexels-oscar-chan-2833366\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-oscar-chan-2833366\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4093\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?w=800&amp;ssl=1 800w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-oscar-chan-2833366.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Benefits may be denied if disability or death occurs while you\u2019re involved in <strong>illegal activities<\/strong>, such as riots, insurrections, or criminal offenses. Policies usually include this to discourage unlawful conduct and avoid claims arising from criminal acts.<\/p>\n\n\n\n<p>Policyholders will also not receive any total and permanent disability benefit, should their disability be directly or indirectly caused by their involvement in illegal activities. These include:<\/p>\n\n\n\n<ol><li>Invasion<\/li><li>Civil war<\/li><li>Insurrection<\/li><li>Revolution<\/li><li>Riot<\/li><\/ol>\n\n\n\n<p><em>Scenario<\/em>:<\/p>\n\n\n\n<p>Linda took part in a riot. She sustained a severe injury from physical assaults during the riot. Her injury worsened and permanently disabled both of her arms. Linda couldn\u2019t get any total and permanent disability benefits from her insurance as the disability was a result of her involvement in the riot, which is part of her life insurance exclusions.<\/p>\n\n\n\n<p>Carefully think about the risks of participating in any activities. You don\u2019t want to lose any benefits from your insurance, especially after spending your hard-earned money on your insurance.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_War_Terrorism_and_Civil_Unrest\"><\/span><strong>5. War, Terrorism, and Civil Unrest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many traditional life insurance policies exclude claims resulting from <strong>war, terrorism, invasion, rebellion, or riot<\/strong> \u2014 especially if you voluntarily participate or are in designated conflict zones. Some specialised riders may offer coverage for such risks at additional cost.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Fraud_and_Misrepresentation\"><\/span><strong>6. Fraud and Misrepresentation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you <strong>withhold information<\/strong> or provide inaccurate answers during the application process \u2014 especially about your health or lifestyle \u2014 the insurer may deny the claim or even cancel your policy. Full and honest disclosure when applying is crucial.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"7_Death_Under_Influence_of_Alcohol_or_Drugs\"><\/span><strong>7. Death Under Influence of Alcohol or Drugs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some insurers may exclude death benefits if the insured <strong>dies under the influence of alcohol or non\u2011prescribed drugs<\/strong> at the time of the incident. This depends on the policy wording but is a common clause in many life and accidental death policies.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_This_Means_for_You\"><\/span><strong>What This Means for You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding exclusions helps you:<\/p>\n\n\n\n<ul><li><strong>Avoid surprises<\/strong> \u2014 so you know when coverage applies<br><\/li><li><strong>Manage expectations<\/strong> \u2014 especially for risky hobbies or health conditions<br><\/li><li><strong>Ask the right questions<\/strong> \u2014 before signing a contract<br><\/li><\/ul>\n\n\n\n<p>Reading the <strong>fine print<\/strong> and asking your adviser to explain exclusions in plain language is one of the most valuable steps you can take before purchasing life insurance.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Life insurance offers important financial protection for you and your loved ones, but like every contract, it has <strong>limitations<\/strong>. The most common exclusions typically relate to pre\u2011existing conditions, self\u2011harm, illegal acts, dangerous activities, and situations like war or criminal behaviour. By understanding what is not covered, you can make more informed decisions.<\/p>\n\n\n\n<p>If you\u2019d like help comparing life insurance options and reviewing policy exclusions, BJAK\u2019s advisors can walk you through the details so you understand exactly what your coverage includes \u2014 and what it doesn\u2019t.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=exclusions-what-life-insurance-doesnt-cover\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance is in place to protect you and your loved ones. These are some exclusions or cases that life insurance doesn&#8217;t cover.<\/p>\n","protected":false},"author":5,"featured_media":4174,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[42,59,127],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Exclusions: What life insurance doesn&#039;t cover | BJAK<\/title>\n<meta name=\"description\" content=\"Life insurance is in place to protect you and your loved ones. 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