I work in the business- insurance broker . Life insurers cannot exempt covid or the vaccine.
There are very few reasons insurers will not pay out.
Murder, suicide in first two years of coverage, non payment and medical or lifestyle info not disclosed on the application..not disclosing a medical treatment you may have had
If you die of a experimental vaccine, medicine, experimental medical treatment it is 100% covered by life insurance companies
Wait a minute, I thought you worked full time in health care.