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Flo-nitty | If a person has life insurance and commits suicide, do they collect the policy? |
Just Curious |
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Ron@InsureMe
 |
Usually, during the first 2 years of a life insurance contract, if the insured commits suicide, the insurance company only has to return the premiums plus interest paid by the insured. After this two year period, suicide becomes a covered risk.
Some companies offer a total exclusion to suicide. If the insured takes their own life within a specified period of time after buying a policy, the life insurance company will not pay a benefit. Usually the provision is effective for the first two years after the policy effective date, but in some cases is a total exlusion. Specific provisions may vary, check the language in the policy.
Try getting an instant quote below. Policies start at as little as $3 per month.
Life Quotes: http://www.insureme.com/landing.aspx?Refby=615159&Type=life
Take care,
Ron @ InsureMe |
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Doing the Right Thing
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In most life insurance policies, if a person commits suicide within the first 2 years, all premiums will be refunded to the beneficiary. After 2 years, the insurance company will pay out the death benefit, regardless on how the person dies. |
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blb
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Yes, the beneficiaries will be able to collect if the policy has been in force for 1-2 years. The number of years in force is going to depend on the company and also the state you are located in. |
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NONAME
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most life insurance policies have a clause for a year or two wait. but the person that commit suicide would never collect on the policy because they are dead - the benificiaries would |
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mkulda
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Well since they are dead, no technically they don't collect the policy.
I think you are really asking does life insurance pay out when the policyholder commits suicide.
The answer is yes, it will pay out for suicide but only after two years have elapsed since the policy was taken out.
If the suicide occurs within the first two years of the policy period, it will NOT payout. |
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gunnerbstrong
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no not in most cases but when you stop and think about it the person that has the policy does not collect either |
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Marie
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No. |
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Jack C
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Most insurance policies have exclusionary clauses that include suicide, meaning that if the insured commits suicide, then the beneficiaries do not collect.
Other exclusions generally include acts of war and God, natural disasters, failing to disclose the diagnosis of terminal illness at the time the policy was underwritten, and death resulting from dangerous activities that were not disclosed. (i.e., the insured was an avid parachuter or rock climber, but never disclosed that fact on the life insurance application.) |
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Hadley
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Suicide is an exclusion common to most life insurance policies.
However, there is a Contestability Clause that states after two years the insurance company cannot contest the policy.
They must pay out for the suicide if it occurs after two years from the date the life insurance policy was issued.
In some states the suicide exclusion only applies for one year - like in the State of Colorado.
I hope that helps. Good luck to you. |
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freakyallweeky
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In order for life insurance policies to get paid the person cannot take their own life and if they die in a car crash they usually have to have been wearing their seatbelt. There are stipulations with each policy you will have to read yours to see what applies. |
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CoCo
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depends on the policy. read it. probably no coverage for self termination in most policies. |
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