Life Insurance Policy Exclusions

Which of the following situations is most likely to be excluded from coverage under a standard life insurance policy?

1. The insured dies from a heart attack while on vacation overseas.
2. The insured dies in a car accident while driving under the influence of alcohol.
3. The insured dies two months after purchasing the policy, and the cause of death is suicide.
4. The insured is killed in a commercial airline crash during a business trip.