Life Insurance FAQ
Does life insurance pay for death by suicide?
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The short answer
Most life insurance policies pay a death benefit for death by suicide, but only after a suicide clause expires, typically the first 2 years of the policy. If suicide occurs within that period, the policy usually refunds premiums paid instead of paying the death benefit.
The 2-year suicide clause
Nearly every life insurance policy includes a suicide clause for the first two years. If death by suicide occurs during that window, the carrier typically returns the premiums you paid rather than paying the full death benefit.
After the clause expires, the policy generally pays out normally, including in cases of suicide. Each state sets rules, and two years is the most common period.
Is suicide ever excluded permanently?
A standard policy pays for suicide after the clause period. Some policies have longer or different clauses, so it is worth reading the terms and asking your agent what your specific policy covers.
Talk to someone if you are struggling
If you or someone you know is in crisis, help is available 24/7. Call or text the Suicide and Crisis Lifeline at 988 in the U.S. You are not alone.
Related questions
How long is the suicide clause on life insurance?
The standard suicide clause lasts 2 years from the policy start date. Some states or policies use a different period, so check your policy terms.
What happens if suicide occurs during the clause?
The carrier usually refunds the premiums you paid and cancels the policy instead of paying the death benefit. This is the standard outcome during the suicide clause period.
Does group life insurance cover suicide?
Group life insurance through an employer often covers suicide but may have its own waiting period or exclusion, typically also around 1-2 years. Check your plan documents.
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