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2. What are life insurance exclusions? - AOL

   www.aol.com/finance/life-insurance-exclusions...

   While some life insurance companies may decline to extend coverage to a high-risk individual, other companies may offer a policy at a higher premium or offer a policy with an exclusion if death ...

3. Accidental death & dismemberment (AD&D) insurance - AOL

   www.aol.com/finance/accidental-death...

   Accidental death and dismemberment (AD&D) insurance provides coverage if you lose a limb or your death is the result of an accident. Between AD&D and term life, term life covers more causes of death.

4. Insurability - Wikipedia

   en.wikipedia.org/wiki/Insurability

   An individual with very low insurability may be said to be uninsurable, and an insurance company will refuse to issue a policy to such an applicant. [3] For example, an individual with a terminal illness and a life expectancy of 6 months would be uninsurable for term life insurance. This is because the probability is so high for the individual ...

5. Accidental death and dismemberment insurance - Wikipedia

   en.wikipedia.org/wiki/Accidental_death_and...

   This is called double indemnity coverage and is often available even when accidental death insurance is merely an add-on to a regular life insurance plan. Some of the covered accidents include traffic accidents , exposure, homicide , falls, heavy equipment accidents and drowning .

6. Risk matrix - Wikipedia

   en.wikipedia.org/wiki/Risk_matrix

   Risk is the lack of certainty about the outcome of making a particular choice. Statistically, the level of downside risk can be calculated as the product of the probability that harm occurs (e.g., that an accident happens) multiplied by the severity of that harm (i.e., the average amount of harm or more conservatively the maximum credible amount of harm).

7. Life insurance death benefits - AOL

   www.aol.com/finance/life-insurance-death...

   Life insurance offers more than just peace of mind — it provides critical financial protection for your loved ones when they need it most. At the heart of every policy is the death benefit, the ...