Tom purchases a life insurance policy and then joins themili

Tom purchases a life insurance policy and then joins themilitary. Tom is deployed in a combat zone and killed by enemy soliders. Tom\'s wife applies for theinsurance proceeds. Which of the following is most likely?

A. the insurance company will pay only after them ilitarty certifies that Tom would have been honorably discharged had he completed his term of service.

B. the insurance company wont pay because death die to war activites is usually exempted from the risk insured against.

C. the insurance company will pay double because the death was during war.

D. the insurance company wont pay, as military benefits supersede any civilian life insurance.

Solution

Tom purchases a life insurance policy and then joins themilitary. Tom is deployed in a combat zone and killed by enemy soliders. Tom\'s wife applies for theinsurance proceeds. Which of the following is most likely?

Answer- A. the insurance company will pay only after them ilitarty certifies that Tom would have been honorably discharged had he completed his term of service.

If a Federal employee working in a war zone is killed, \"regular\" death benefits are payable to the employee\'s beneficiaries. Accidental death benefits are also payable under Basic insurance (and Option A, if the employee had that coverage) unless the employee was in actual combat (or unless nuclear weapons were being used) at the time of the injury that caused the employee\'s death. The Office of Federal Employees\' Group Life Insurance (OFEGLI) decides whether to pay accidental death benefits only after thoroughly studying the facts and documentation surrounding an employee\'s death. The determination is made on a case by case basis. While we cannot say that in 100% of civilian deaths AD&D benefits will be payable, we can say that it is highly unlikely for a civilian to be in actual combat.