Life insurance policies will generally cover losses incurred from which of the following activities?

Life insurance policies typically provide coverage for a variety of activities, but certain high-risk activities can complicate or limit that coverage. The correct answer pertains to commercial aviation, which is generally included as a covered activity under life insurance policies. This is because commercial aviation is regulated, and the pilots and aircraft are subject to strict safety and operational standards established by aviation authorities. Most life insurance policies assume that commercial flights are inherently safer due to these regulations, and thus, losses stemming from flights on commercial airlines are usually covered.

In contrast, activities such as recreational skydiving, extreme sports, and underwater diving often fall outside the standard coverage parameters due to the high risk involved. Insurers may exclude these activities or require additional riders or adjustments to the policy to provide coverage, reflecting the increased chances of incidents occurring during such activities. Therefore, while life insurance provides comprehensive coverage for routine activities, its terms regarding high-risk activities can vary significantly.