Which of the following is NOT a typical exclusion in most disability policies?

In the context of disability insurance policies, typical exclusions are conditions or circumstances under which the insurer will not provide benefits. While policies may vary, many do exclude certain risks associated with higher levels of peril or specific health conditions.

Injuries sustained during legal protests are generally not standard exclusions in most disability policies. This indicates that if an injury occurs while participating in a lawful protest, the individual may still be eligible for benefits, as these activities typically fall within the realm of normal civil behavior. Therefore, an injury sustained in this context is more likely to be covered compared to exclusions that focus on higher risk activities or pre-existing health issues.

In contrast, normal pregnancy-related conditions, illnesses caused by pre-existing conditions, and injuries from hazardous hobbies are consistently seen as exclusions across many insurers due to their associated risks or pre-existing nature. Hence, while a specific policy may vary, injuries from legal protests are less likely to be excluded compared to those risks which insurers typically consider more hazardous.