Recently, I found out that Mutual of Omaha and AAA have an unconscionable exclusion clause in their accidental death policies which permit them to escape paying out for deaths due "directly or indirectly to illness or infirmity." Not only are these terms ambiguous and highly discriminatory, but these companies mask their intent to deny claims when queried. They merely say that they cannot answer hypothetical questions. Such terms are illicit and immoral, especially in this time of pandemic when policy holder claims may be wrongfully denied if their is any connection with COVID-19. This is against state insurance statutes.
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