Does life insurance cover suicidal death?

When someone takes out life insurance, they do it to protect their loved ones financially — even in the worst-case scenarios. But one question that often goes unspoken is: what happens if the cause of death is suicide? Will the policy still pay out?

Let’s clear up the confusion and show you exactly how this works — simply, clearly, and without legal jargon.

What Is the Suicide Clause?

Most life insurance policies include a provision called a suicide clause. This clause usually applies during the first 12 to 24 months after a policy begins.

If the insured dies by suicide within that period, the insurance company will not pay out the full death benefit. Instead, they typically refund the premiums paid.

After that waiting period, the clause expires — and in most cases, the death benefit will be paid regardless of the cause of death.

What Happens After the Clause Expires?

Once the initial suicide clause period passes (usually 1–2 years):

• Yes, the full death benefit is paid

• Beneficiaries receive the money just like in any other covered death

• It doesn’t matter how long the policy has been active — only that the clause period is over

What If the Policyholder Had Mental Health Issues?

Mental health conditions do not invalidate a life insurance claim — as long as they were disclosed when applying.
If someone failed to mention serious diagnoses during the application process, the insurer may investigate and deny the claim. That’s why honesty upfront is essential.

Are Group Life Policies Different?

Yes. Group life insurance, such as that offered by employers, often does not include a suicide clause. That means even if the policyholder dies by suicide early on, the benefit may still be paid.
It’s crucial to read your group policy or speak with an advisor to know what’s covered.

How to Protect Your Family

If you want your loved ones to be taken care of no matter what happens, understanding your policy’s rules is key. Suicide clauses and contestability periods exist in nearly all policies — but after those periods pass, coverage usually becomes unconditional.

✅ Ready for Clear, Fast Answers?

If you want to be sure your life insurance policy offers the protection your family deserves — without delays, fine print, or unexpected surprises:

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