“I have not seen a policy that has a carve-out or an exclusion for a pandemic,” says Erin Ardleigh, founder and president of Dynama Insurance, an independent insurance brokerage firm based in New York City.


But...

Already, some insurance carriers have begun adding exclusionary riders on new policies to avoid paying out on coronavirus deaths, says Anthony Martin, founder and chief executive of life-insurance company Choice Mutual. “An exclusion rider…could become an industry standard if the morbidity rate causes carriers to experience detrimental financial losses due to an unexpected and unsustainable claims rate,” he says.


https://www.barrons.com/...-quickly-51585398601