Which of the following would likely be covered under a basic life insurance policy?

A basic life insurance policy typically provides coverage for death resulting from a wide range of causes, including accidental events. Accidental deaths, such as those resulting from a fall, are usually covered unless specifically excluded in the policy. This is foundational to life insurance, as the primary purpose is to provide financial protection for beneficiaries in the event of the policyholder’s death, regardless of the cause, as long as it falls within the terms of the policy.

The other scenarios presented may involve limitations or exclusions that are common in most basic life insurance policies. For example, the exclusion for suicide within the first two years of the policy is a common stipulation to prevent individuals from purchasing insurance with the intent of benefiting their beneficiaries shortly after. Participation in high-risk sports is often considered a risky behavior that may not be covered due to increased chances of accidental death. Deaths resulting from pre-existing conditions within the first year of the policy can also be a gray area, as many policies might include contestability clauses that limit coverage for such situations.