Common exclusions include suicide, pre-existing conditions, and substance use.
Pre-existing Illnesses
You can take out life insurance, but coverage for pre-existing illnesses is usually excluded.
Risky Sports
Most policies exclude risky sports. Check your policy for specific exclusions.
Age Limits
The maximum age for taking out life or accident insurance is usually 64 years. Coverage typically extends to 70-75 years for death coverage and 67 years for complementary coverage. Check your policy for your specific coverage.