A policyholder works as a stunt pilot. What happens under a basic life insurance policy without an aviation rider?

Under a basic life insurance policy that does not include an aviation rider, coverage for activities related to aviation, particularly for high-risk roles such as that of a stunt pilot, is typically excluded. Life insurance policies often contain specific clauses that outline hazardous occupations, and stunt piloting qualifies as a high-risk activity.

If the policyholder were to die due to an incident related to their stunt piloting work, the insurer would most likely deny the claim on the grounds that the activity was excluded from coverage because it wasn't covered under the standard terms of the policy. This highlights the importance of reviewing policy terms, especially for individuals whose occupations may involve increased risks.

In contrast, the other options involve either unwarranted guarantees or benefits that are not typically part of standard life insurance policies for those engaged in high-risk occupations. For example, increasing policy limits or reduced premiums would not usually apply to a policyholder engaged in such dangerous work, rather the opposite typically occurs, leading to increased costs or exclusions altogether.