Which of the following is NOT a common exclusion found in most life insurance policies?

The choice indicating that death due to natural disasters is not a common exclusion found in most life insurance policies is accurate because life insurance policies typically cover a wide range of causes of death, including those resulting from natural disasters, such as earthquakes, floods, or hurricanes. Insurers generally recognize these risks as part of the broader insurable risk pool and usually do not exclude them unless specifically stated in the policy.

On the other hand, other exclusions like suicide within the first two years are quite common. Insurers often include a suicide clause to prevent adverse selection, where individuals may obtain coverage intending to take their own life. Similarly, death resulting from illegal activities is generally excluded, as it presents higher risks to the insurer, which could lead to increased claims. Drug overdose can also be categorized as an exclusion because it often falls under risky or illegal behavior depending on the circumstances, making it a valid reason for exclusion in many policies.

Thus, the understanding of common exclusions in life insurance policies illustrates that while insurers aim to cover a broad range of risks, specific actions contributing to avoidable fatalities are often excluded to mitigate potential losses.