MISADVENTURE – An accident by which an injury occurs to another.
So a misadventure, in legal terms, is simply an accident. I bring this up because it was a question that came up recently in regards to a life insurance payment. Since a misadventure is an accident, and one where nobody intended any harm or to break the law, I cannot see any reason that a verdict of DEATH BY MISADVENTURE would prevent a life insurance policy from paying.
Typical exclusions include a death while executing a crime, serving in the armed forces, or a suicide before the specificed waiting period (2 years by law in my state).
Stay safe out there, and don’t have any misadventures!
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term life insurance, misadventure, death benefits, suicide
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