Greg Farris wrote:
Received yet another mailing offer for disability insurance - from a
reputable company, ready to pay a $250-500K indemnity for complete
disability.

I'll say again, I've never seen a GA exclusion on any insurance that I
have. Group life and AD&D insurance through work even covers me if I am
instructing. Just for kicks, I looked into extra life insurance with
USAA a while back, and they don't have an exclusion either. It seems
that you're looking in the wrong places.