I’m telling you, MY WIFE’S POLICY COVERD COVID-19, and $150k life insurance. Yes, most (not all) policies have the COVID-19 claws and don’t cover at. Mine did, I purchase from a broker and asked him multiple times by email and text WRT covid coverage. He assure me that it did. Then I read the entire policy terms and did not see COVID-19 or anything related mentioned.
Most policies then cancelled the covid portion. You should be calling the policy issuer not the broker.