11. Raiph opplied for $500,000 of life insurance five years ago, On his application he disciosed that he owned a small ainplane and was a licetised pict The Instirer lasued a policy, but included a specific exclusion for death stemming frem being a pliot or patsenger on a non-commercist airpiane fulph dind last week from a bacterial infection he contracted white waiting for treatment in a hospital emergency ward where he had gone aftet a car acelidens. The hospital issued a death certificate indicating that Raiph died of an infection. Ralph's wife is the named beneficiary on the poticy 5 the asks Falphis insurance agent to start the claims process. What should the agent tell Ralph's wife? The inhurer first requires probate because of the accident. The inturef first requires proof that Raiph wasn' fying his plane that day, The insurer requires her completed ciaim form, the death certificate and the Wife's proof of ldentisy. The inaurer will pay an accidentai death benefit in addition to the $500,000 if the agent can show Ralph died because of the sceiden