If you are looking for insurance coverage for death malaysia then you are at the right place. People often take insurance in protecting them and their loved ones to protect them during the times of emergencies. However there are cases and circumstances in which you are not able to subscribe to an insurance plan. Those cases are as listed below. 

Possessing risky job/hobby 

Depending on the specifics of your policy, your insurer can actually refuse to pay the death benefit if you happen to die while engaging in a hazardous activity. If you have a job that is too risky or perhaps hobbies like flying pirate planes, bungee jumping or any sort of stunt master that works for films, best believe you are actually not fit for insurance coverage. Your insurer may include an exclusion to your policy that forbids payment if you pass away while engaging in that risky hobby. Their beneficiaries who are registered under them wouldn’t receive the death benefit hence if you posses a risky job or hobby do inquire all details before subscribing 

Suicide 

In majority insurance policy, the cases of death due to suicide is definitely not covered. However there are a very limited number of policies under selected insurance provider which is inclusive of the death sue to suicide clause. For this the insurer or their rider under the insurer has to read, understand and comprehend the policy properly. Certain life insurance policies have a suicide clause that prohibits a payout for death by suicide in the first two years of the policy. Insurance companies have suicide clauses in place so that applicants cannot take their own lives immediately after their life insurance policy goes in force. This gets complicated in certain scenarios, where people actually overdose them with drugs which causes death and is considered as suicide. 

Involvement in war/terrorism 

Certain insurance providers exclude deaths which are caused by terrorism or war from their policy. However, compared to other insurance kinds, this exclusion is less frequent in life insurance. The death benefit in this instance will be paid by a large number of Policygenius’ partner insurers.If you are from a military background, things can be a little tricky for you. Your occupational status and rank of your recent deployment whether or not you are eligible for insurance coverage. Most of the time, you won’t be granted access to the policy as you are often involved with activity that risks your life. Inquiring beforehand would ease your journey through it

Murder 

The killer rule prevents the beneficiary of a policy from receiving the death benefit if they murder the insured. The slayer rule forbids compensation to someone who committed the insured person’s murder or was intimately involved in it. As an exchange the insurance company would hand over the death benefit to the contingent beneficiaries under the person. Additionally, your policy may not cover deaths that take place while you are engaging in any sort of prohibited activity and murder or getting involved in any cases like such would be one of it.