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Common Exclusions Under Endowment Insurance Plans Offered By Reliance Life Insurance

Updated On Jul 01, 2021

Reliance Endowment Plan offers you the financial security you need to pursue your goals in the future. It allows you to determine the amount of your Sum Assured based on your present financial situation and anticipated future needs.

In this article, we have tapped into the regions that do not fall under the security net of Reliance Life endowment plan.

Common Exclusions Under Endowment Insurance Plans Offered By Reliance Life Insurance

Given below are the exclusions under the policy that are not eligible for coverage under  Reliance Life insurance endowment plan:

  • Involvement In War or Acts Of Civil Violence

This policy will not provide coverage for any fatalities or mishaps that might occur as a consequence of participating in any illegal action such as a riot, strike or civil commotion, active military naval, air force, military rising, insurrection, rebellion or similar service.

  • Death From Intake of Drugs

The company offering this plan will not bear the cost of death caused by usage of narcotics or any other substance.

This does not apply to the medications taken under the direct supervision of a physician or registered medical practitioner.

  • Attempts Acts of Self Injury And Suicide

The Company will not be liable to pay any claim if the life assured commits suicide, whether sane or insane,  within 12 months of the date of issue of this policy or any reinstatement of this policy.

Any injury sustained from the acts of self harm are not covered under the Reliance Life endowment plan.

  • Participation In Hazardous Activities or Sports

Death as a result of an accident while participating in a race or other dangerous activity is not eligible for coverage under the plan. Situations like racing or practicing racing of any kind other than on foot are usually not covered under this policy, unless stated in the policy.

  • Death Resulting From Violation of Law

The company is not responsible for paying the death benefits to the policy beneficiaries if the death occurs as a result of participation in activities that are considered illegal by the law. As mentioned in the policy, any degree of participation in any criminal or illegal act is condemned and not compensated for by the company.


While buying an endowment Insurance plan,  it is critical for both the client and the insurer to thoroughly understand the exclusions placed on the endowment plan. There are some special conditions that if and when will arise, will not be eligible for the Insurance coverage structure. The prior knowledge of this should be a prerequisite for every investor.

Also read 

Endowment Plans Vs Term Plans - A Comparison

Top 3 Reasons Why You Should Go For An Endowment Plan

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.    

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