F'ing insurance industry

"Snowbird" wrote in message

Ironically, medical. There is no exclusion on the life insurance policy
I
purchased through the same company. So I guess if I'm gonna auger, I
better auger hard!

Gadzooks, that's bizarre! I've never heard of such exclusions on a
medical policy, especially where there's no similar exclusion on the
life insurance policy.

I had the same thought when I read it.

I wonder if it's a reaction to a specific circumstance that company
encountered. Do they exclude smoking/driving while drinking/etc?

They don't exclude smoking, but there's a big list of exclusions that you
have to go to some website to dig up. The only four that are mentioned in
the documentation, and which apply only to medical, are coverage while
committing suicide ("sane or insane"), a felony, while flying small planes
("operating, riding or descending in an airplane except as a fare-paying
passenger on a commercial carrier...") and acts of war.

The latter bugs me too even though it doesn't apply to me. If you're called
to duty and then killed protecting their corporate asses, you're not
covered.

If there are similar exclusions in the life insurance policy, they're not
explicitly stated in the literature and you'd have to look them up to find
out.
-c