Covid-19 is not an excluded illness under any life policy with any of the major life insurance companies here. I've received several e-mails from life companies reassuring people about their working-from-home strategies and contingency plans but to date, only Aviva has e-mailed me (as a broker) about Covid-19 and customer policies. From their e-mail: Covid-19 is a valid claim on a life insurance policy. It's also a valid claim on Income Protection if it causes you to be unable to work due to illness for longer than the waiting period. Covid-19 is not in itself covered as a specified serious illness, but if it leads to you contracting one of the covered conditions, e.g. coma, then that's covered.
The e-mail also says "no new COVID-19 restrictions have been applied to our protection policies and currently there are no plans to amend our acceptance criteria."
There are no new travel restrictions on Aviva life policies due to Covid-19.
For new applications, if a customer discloses that they have recently been to an affected area, each case will be assessed on a case-by-case basis. If a new application is from a person who has the virus, the application will be postponed until a full recovery has been made.