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Yes they can. It all depends on the policy. For example USAA routinely insures service members and those policies have a rider for dying in combat. And it is only a couple buck for a month on a normal $500k policy. When I retired I took that rider off.

Pretty much any insurance company does the same.



I price life insurance for a living. Combat death riders are not common.


I'm going to look at my policy, but I don't think it has any exclusion for combat deaths.


It almost certainly excludes any claims at all from any war between major powers - even your car insurance probably says that.




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