Does Life Insurance Cover Suicide? Policy Coverage

It’s a difficult topic, but an important one: Does life insurance pay out in the event of suicide?

The answer is — it depends. But knowing your rights and options can protect your family and give you peace of mind.

Suicide Clause: What It Means

Most life insurance policies include a “suicide clause” — typically lasting 2 years from the date the policy begins.

🛑 If death occurs by suicide within that period, the policy will not pay the death benefit — just a return of premiums paid.

✅ After the 2-year period, suicide is usually covered just like any other cause of death.

This clause is standard across most carriers and exists to prevent insurance fraud, not to deny legitimate claims.

What If You Switch Policies?

Be aware: starting a new policy resets the suicide clause. That’s why consistency and long-term planning matter in life insurance.

What Type of Policy Covers Suicide?

Whether you have:

• Term Life Insurance

• Whole Life

• Universal Life

— most will include this clause. The key is to outlive the contestability period for full benefits.

Why This Matters

Even if suicide is a concern, life insurance can still protect your loved ones, especially when:

✔️ You get coverage early and hold it long term
✔️ You understand the timelines and terms
✔️ You choose a reputable insurer with transparent policies

Ready to Get Covered?

👉 Fill out the short form below to instantly compare quotes from multiple top-rated carriers.

✔️ Instant quotes — no phone calls
✔️ No medical exam required for many plans
✔️ Coverage starting at just $10/month
✔️ Get protected in minutes — peace of mind for you and your family

💡 A strong policy covers life’s hardest moments. Lock in yours today.