Which of the following is NOT typically covered by a standard life insurance policy?

A standard life insurance policy primarily serves the purpose of providing financial protection to beneficiaries upon the insured individual's death. Among the choices presented, direct investment returns are not typically covered by such policies. This is because life insurance is fundamentally a risk management tool rather than an investment vehicle.

While policies may offer benefits in scenarios such as terminal illnesses, accidental death, or living benefits—where payouts may occur prior to death under certain conditions—direct investment returns imply a potential for monetary gain linked to investments, which is outside the scope of what a life insurance policy is designed to provide. Such returns are usually associated with investment products, like mutual funds or stocks, and not with life insurance contracts.

In summary, while life insurance can include features that provide various types of benefits, monetary returns on investments are not part of a standard life insurance policy.