Nearly all life insurance policies contain a suicide exclusion clause that limits or eliminates the death benefit if the insured dies by suicide within a specified period — typically the first two years of the policy. Understanding this provision is important for both policyholders and beneficiaries.
This clause exists to prevent people from purchasing coverage with the intent to end their life shortly after.
How the Suicide Clause Works
During the exclusion period, if the insured dies by suicide, the insurer is not obligated to pay the full death benefit. Most companies will return the total premiums paid rather than paying nothing at all. After the exclusion period expires, the policy pays the full death benefit regardless of cause of death.
The exclusion period restarts if you replace your policy with a new one or make certain policy changes.
State Variations
Most states mandate a two-year suicide exclusion period, but some states require only one year. A few states have additional protections for beneficiaries. Your policy documents will specify the exact terms applicable to your coverage.
Group life insurance policies through employers may have different or shorter exclusion periods.
Important Considerations
If you or someone you know is struggling with thoughts of self-harm, please reach out to the 988 Suicide and Crisis Lifeline by calling or texting 988. Help is available 24 hours a day, 7 days a week.
The suicide exclusion clause is a standard policy provision and should not be a factor in your decision to purchase life insurance. The protection it provides your family after the exclusion period is complete and comprehensive.