Question 9

A commercial pilot or crew member is a scenario that would NOT be covered if death resulted under the exclusion clause.

In the context of the exclusion clause, the death of a commercial pilot or crew member typically falls outside the coverage, as they are often classified differently due to the nature of their occupation.

A) Army officer killed in the line of duty

This scenario would generally be covered under specific policies that offer protection for military personnel, as their service often includes risks associated with their duties. Thus, their death resulting from such duties would likely not fall under exclusion clauses.

B) A fare-paying passenger in a regularly-scheduled airline

A fare-paying passenger is usually covered by standard travel insurance policies, which protect against a variety of incidents, including death. This category does not fall under the exclusion clause since it pertains to individuals not engaged in high-risk occupations.

C) Commercial pilot or crew member

Commercial pilots and crew members are often excluded from coverage due to the inherent risks associated with their profession. This exclusion is standard in many insurance policies, making this scenario the one that would not be covered if death resulted.

D) A spectator at an auto race

Spectators at events like auto races are typically covered under personal accident insurance policies, as they are not engaged in high-risk occupations themselves. Therefore, their deaths would not be categorized under the exclusion clause.

Conclusion

The correct answer is C, as commercial pilots and crew members are explicitly excluded from coverage due to the nature of their high-risk jobs. Options A, B, and D represent scenarios that would generally be covered under various insurance policies, making them unsuitable answers. Thus, C stands out as the definitive choice that aligns with the exclusion clause.