Do You Get Life Insurance If You Commit Suicide: Overview, Terms, Policy, Law, Prevention of Denial & Contestation

Unveiling the Truth About Life Insurance.!!!

An image illustration of Life Insurance
Delve into the sensitive topic of life insurance and suicide.

Suicide is a tragic and complex issue that affects millions of people and families around the world.

It is also a sensitive and controversial topic when it comes to life insurance.

Additionally, many people wonder if they or their loved ones can receive life insurance benefits if someone kills oneself.

The answer is not simple, as it depends on various factors, such as the type and terms of the policy, the state laws, and the circumstances of the death.

In this blog post, we will explore these factors and provide some useful information and tips on how to deal with this situation.

Policy Type and Terms Matter Most

The crux of whether life insurance benefits will be disbursed after a suicide hinge significantly on the type and terms of the policy.

Life insurance policies generally fall into two main categories: term and permanent.

Term life insurance offers coverage for a specified duration commonly 10, 20, or 30 years while permanent life insurance provides coverage for one’s entire life, contingent upon consistent premium payments.

Permanent life insurance further branches into subtypes such as whole, universal, and variable.

Most life insurance policies incorporate a suicide clause or exclusion.

Stipulating that if the insured individual takes their own life within a defined timeframe post-policy inception typically one or two years the insurer won’t pay the death benefit to beneficiaries.

Instead, only the premiums paid by the insured person will be refunded.

This clause acts as a deterrent against individuals obtaining life insurance with the intent of self-harm to provide for their families.

After the specified exclusion period has elapsed, the suicide clause loses effect.

Whether the policy is term or permanent, the death benefit will be paid to beneficiaries, assuming the policy is active, and premiums are current.

However, certain permanent life insurance policies, like universal and variable, may have additional conditions impacting the death benefit, such as cash value, investment performance, loans, or withdrawals.

State Laws Play a Role

State laws add another layer of complexity to the question of obtaining life insurance benefits after suicide.

Variances in regulations mean that different states may have more or less stringent rules.

States might extend or reduce the standard one or two-year suicide clause or introduce special provisions for circumstances like mental illness, accidental death, or fraud.

It’s crucial to familiarize oneself with the specific laws of the state of residence or where the policy was purchased, as these can override or modify policy terms.

Seeking guidance from a lawyer, insurance agent, or the state insurance department can provide clarity and insights tailored to individual circumstances.

The Details Surrounding the Death

The circumstances of the death form the final piece of the puzzle regarding life insurance benefits post-suicide.

Insurers conduct thorough investigations into the cause and nature of the death, scrutinizing evidence for any signs of suicide.

This involves a review of medical records, police reports, autopsy findings, and statements from witnesses and beneficiaries.

The insurer seeks to establish whether the death was intentional or accidental and if it was linked to pre-existing conditions, substance abuse, or criminal activities.

Claims may be denied or delayed if there’s ambiguity or disagreement about the circumstances of the death.

Suspicions or evidence of fraud or misrepresentation, such as false information on the application, can lead to the insurer voiding the policy and refusing to pay the claim.

Beneficiaries might face legal repercussions if they were complicit or aware of such fraudulent actions.

Should beneficiaries dispute the insurer’s decision, they have avenues for challenge and appeal.

Legal representation, complaints, and legal action against the insurer are potential courses of action, and seeking assistance from the state insurance department or consumer protection agencies is advisable.

How can I prevent my life insurance policy from being denied or contested?

If you find yourself contemplating suicide and have a life insurance policy, it’s crucial to be aware that the insurer might deny or contest the policy, leaving your beneficiaries without the death benefit.

However, you can take steps to mitigate this risk:

  • Wait Out the Suicide Clause:

Hold off on taking any drastic steps until the suicide clause expires, typically after one or two years from policy inception.

By doing so, you prevent the insurer from excluding suicide from the coverage, compelling them to honor the claim unless there are other grounds for denial.

  • Seek Professional Help:

Reach out to professionals such as therapists, counselors, or suicide prevention hotlines to discuss your problems, emotions, and receive treatment and support.

This not only aids in coping with the situation but may establish a valid exception to the suicide clause based on mental health, subject to state laws and policy terms.

  • Maintain Honesty on Your Application:

Be forthright and accurate when filling out your application.

Disclose all relevant information about your health, lifestyle, and occupation to avoid any potential charges of fraud or misrepresentation.

Failure to do so might lead to policy voidance and claim invalidation.

How can I get help if I am suicidal or know someone who is suicidal?

Understanding that there is hope and assistance available is crucial if you or someone you know is grappling with suicidal thoughts.

Take immediate action by:

  1. Emergency Services: If there’s immediate danger or a suicide attempt, call 911 or your local emergency number.
  2. National Suicide Prevention Lifeline: Reach out to the National Suicide Prevention Lifeline at 1-800-273-8255, or text HOME to 741741. Trained counselors are available to listen, provide resources, and offer support.
  3. Connect with Trusted Individuals: Seek support from friends, family, or professionals like doctors, therapists, or clergy who can provide emotional and practical guidance.
  4. Explore Support Groups: Consider joining support groups like the American Foundation for Suicide Prevention, the Suicide Awareness Voices of Education, or the Survivors of Suicide, where you can connect with others facing similar challenges.


Q: How can I find out if my loved one had a life insurance policy?

A: Discovering whether a loved one had a life insurance policy can be achieved by:

  1. Checking Personal Documents: Examine personal documents like bank statements, tax returns, bills, or receipts for any indication of a life insurance policy.
  2. Contacting Employer or Association: Get in touch with their employer, union, or association to inquire about group life insurance policies or benefits tied to work or membership.
  3. Reaching Out to Insurer: Contact their insurance agent, broker, or company, if known, to confirm or verify the existence of the policy.
  4. Utilizing Locator Services: Consider using a policy locator service like the [National Association of Insurance Commissioners’ Life Insurance Policy Locator] to find and contact the insurer of a lost or unknown policy.


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