Question 65

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

This scenario illustrates that individuals working in specific high-risk professions, such as commercial pilots or crew members, are typically excluded from coverage under certain insurance policies.

A) Army officer killed in the line of duty

An army officer killed in the line of duty would generally be covered under various military insurance policies or benefits. Such instances are recognized as job-related hazards, which are usually compensated by specific military coverage, thus making this option incorrect as a scenario not covered.

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

A fare-paying passenger on a regularly-scheduled airline is typically covered under standard passenger insurance policies. These policies are designed to protect individuals in the event of accidents during travel, making this option incorrect as well.

C) Commercial pilot or crew member

Commercial pilots and crew members are often excluded from certain insurance policies due to the inherent risks associated with their occupations. In many cases, their death while performing duties may not be covered under standard insurance terms, making this the correct answer regarding a scenario that would NOT be covered.

D) A spectator at an auto race

A spectator at an auto race may be covered under general liability or event insurance policies, which often include protection for attendees. Although risks are present, such coverage is typically available, rendering this option incorrect.

Conclusion

The correct answer is C, as commercial pilots or crew members are often excluded from coverage due to the high-risk nature of their jobs. In contrast, the other scenarios involve individuals who either receive coverage or are protected under specific policies that account for their circumstances. Thus, C stands out as the only option that aligns with the exclusion clause regarding death.