Final answer:
Insurance policies may exclude death benefits for aviation-related deaths unless the insured is a fare-paying passenger on commercial flights. An Aviation Rider is required for coverage of non-commercial aviation activities.
Step-by-step explanation:
The exclusion of aviation-related deaths in insurance policies typically means that the death benefit would not be paid if the insured individual died as a result of aviation activities.
However, there is an exception for those who are fare-paying passengers on commercial flights. For those who may participate in private aviation or other non-commercial aviation activities, obtaining an Aviation Rider is necessary to have coverage in such circumstances.
It is essential to understand the terms of such riders, as they define the specific conditions under which the life insurance policy would pay out in the event of the policyholder's death due to an aviation accident. This is particularly important for individuals who frequently travel by air or engage in piloting aircraft.