What is NOT a standard exclusion in life insurance policies?

Disability is not a standard exclusion in life insurance policies because life insurance is designed to provide a death benefit to the beneficiaries upon the insured's death, regardless of the circumstances leading to that death, provided the policy is in force and the event is not excluded.

On the other hand, exclusions such as suicide, fraud, and war have specific conditions typically outlined in life insurance contracts. Suicide clauses often state that if the insured commits suicide within a specified period (commonly two years from the policy's issue date), the insurer may not pay the death benefit. Fraud generally allows insurers to deny a claim if the insured provided false information during the application process. War exclusions can limit or negate benefits if the death occurs in connection with participation in war or acts of war.

In this context, knowing that disability is associated more with disability insurance rather than life insurance strengthens the understanding that life policies inherently focus on death benefits.