War Exclusion Clause

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War Exclusion Clause

1. A clause in some life insurance policies stating that the insurer does not have to pay the death benefit if the insured dies from a war-related injury. War exclusion clauses are most common in wartime; they generally cannot be added if a war starts after a policy is issued.

2. A clause in some bills of lading and other transport documents exempting the insurer from paying losses if a ship is damaged or destroyed as the result of an act of war. For example, if a torpedo fires on a ship as part of a declaration of war or other hostile act, the war exclusion clause protects the insurer from covering the value.
References in periodicals archive ?
Allianz Global Corporate & Specialty has also decided to waive its act of war clause for health, travel, personal accident and life policies bought by those on board flight MH17 in Malaysia, Germany, Belgium, the Netherlands and Luxembourg.
This restriction comes from the Declare War Clause, (2) which the Framers understood as shorthand for initiation of war.
2) Congressionalists argue that the original understanding of the Declare War Clause required Congress to authorize all acts of war, except those in response to a sudden attack.
He qualifies that position at times by analyzing the debate over the declare war clause, when the framers inserted "declare" for "make" and recognized that the president may "repel sudden attacks.
He examines the meaning of the declare war clause, the deployment of the armed forces and initiation of hostilities, domestic warrantless surveillance by the National Security Agency, and the detention and trials of suspected terrorists.
I have the premiums automatically paid from my bank account, and I have ensured that my policies do not have war clause exclusions.
Many insurance policies have a war clause, under which losses caused as a result of acts of war are excluded from cover.
Resentful at being commanded to make their country's stance known, they reacted angrily against US pressure with most African delegations opposing an automatic war clause being attached to the British and American proposal.
Yoo acknowledged that "some commentators have read the constitutional text differently," but argued that they were mistaken in their view that the War Clause (Article I, Section 8) grants to Congress the "sole authority to decide to make war.
The Constitution's Declare War Clause, however, should not be considered in isolation.
4) These additional words, it is argued, are placed in the War Clause because the Framers intended that Congress, and Congress alone, have the power to authorize not only "general" or "perfect" war through a formal declaration of war, but also "limited" or "imperfect" war.
As a life insurance provider, we feel a similar sense of duty to honor their service, which is why we do not have any war clause exclusions in any of our policies.