Exclusions in life insurance policies can be added by the company upon issue if the applicant has what?

In life insurance policies, exclusions are specific conditions or situations that are not covered by the policy. When an applicant has a dangerous job or engages in risky hobbies, insurance companies often consider these factors as significant risks that could impact the likelihood of a claim being made. As a result, insurers may add exclusions to the policy to limit their exposure to these risks.

For example, if an applicant works as a firefighter, pilot, or engages in extreme sports such as skydiving or scuba diving, the insurance company may decide to exclude claims related to accidents occurring during these high-risk activities. This helps the insurer manage their risk profile effectively while allowing them to offer coverage to the applicant. Understanding the nature of the applicant's activities helps the insurer determine the appropriate exclusions necessary to safeguard against potential losses associated with those activities.