65. Under the exclusion clause, which is a scenario that would NOT be covered if death resulted?
Answer: C
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 is typically not covered due to the inherent risks associated with their occupation, which often exclude them from standard insurance protections.
A) Army officer killed in the line of duty
An army officer killed in the line of duty is likely to be covered under specific military or governmental insurance policies. These scenarios are often addressed differently due to the nature of military service and the associated risks, making this option incorrect in the context of the exclusion clause.
B) A fare-paying passenger in a regularly-scheduled airline
A fare-paying passenger on a regularly-scheduled airline is generally covered under standard travel insurance policies. Their status as a passenger does not fall under the typical exclusions related to occupational hazards, thus making this option not applicable to the exclusion clause.
C) Commercial pilot or crew member
A commercial pilot or crew member is indeed a scenario that would NOT be covered if death resulted under the exclusion clause. This is due to the higher risks associated with their professional duties, which are often excluded from general insurance coverage.
D) A spectator at an auto race
A spectator at an auto race may face risks, but they are typically not excluded from coverage under most insurance policies. As a non-participant in the event and not engaging in a profession with inherent dangers, this option would likely be covered, making it incorrect in relation to the exclusion clause.
Conclusion
The exclusion clause specifically excludes coverage for individuals whose occupations involve higher risks, such as commercial pilots or crew members. In contrast, the other options, including army officers, fare-paying passengers, and spectators, either fall under different coverage policies or are not excluded due to their non-professional status. Thus, option C is definitively the correct answer as it aligns with the stipulations of the exclusion clause.