Insurance clauses often have the column of "exemption from liability", which is what we often call exemption clauses. The cases listed in the column of "Exemption" are often cases where the insurance company does not guarantee.

For example, the disclaimer of a endowment assurance product states that the insured intentionally kills or hurts the insured. Then if the insured dies because of this situation, the insurance company often does not bear the responsibility of paying insurance money.

Exemption clause is also an important column in insurance clauses, which needs our attention. You can read this article and learn how to treat the exemption clause: what is the exemption clause of insurance and how to treat it? If you don't understand, you will suffer a big loss!