3.3 Events Insured against in Life Insurance Contract

The death (the core event — the natural-and-accidental faces); the survival (the endowment's maturity — the living benefit); the disability (the riders — the accident-and-sickness faces); the critical illness (the modern riders — the diagnosed diseases' covers); the longevity (the annuity — the outliving-the-savings risk). The exclusions' faces: the suicide clause (the early-year bar); the dangerous-occupation-and-avocation disclosures' breach; the fraudulent concealment (the health history's non-disclosure — the claim's repudiation ground).