Final answer:
The beneficiary of the Marine who died in an automobile accident should receive the full $100,000 from the insurance policy, as the death does not fall under the war exclusion clause.
Step-by-step explanation:
The subject of the question relates to an insurance policy payout scenario and analyzes the impact of a war exclusion clause on the policy's benefits. D, a Marine, passed away due to an automobile accident while on leave, not due to war or military action.
As the accident does not fall under the war exclusion clause, the beneficiary should receive the full amount of the insurance policy which is $100,000. This assumes that no other exclusions apply and that the premiums were up-to-date at the time of D's death.
The scenario provided as a reference discussing the different chances of 50-year-old men with and without a family history of cancer dying within a year is not directly relevant to the Marine's situation. The insurance policy question focuses on the applicability of an exclusion under certain conditions rather than the probability of dying based on health risks.
Essentially, a life insurance policy pays out upon the policyholder's death; however, exclusion clauses can affect this payout. In this case, the policyholder's death was due to a non-excluded circumstance, thus ensuring the beneficiary's entitlement to the policy's full death benefit.