Does life insurance cover death by suicide?

Does life insurance cover death by suicide? In many cases, yes. However, most life insurance companies will not pay a death benefit if you die by suicide within the first two years of buying a personal policy. Unlike with personal life insurance policies, most of the time group life insurance does pay for death by suicide within the first two years of buying a policy. So your beneficiaries would receive the death benefit regardless of when your death occurred during your coverage period.

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UPDATED: Jun 1, 2022

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