Suicide Clause
Insurance Glossary
A standard life insurance provision that refunds premiums instead of paying the death benefit if the insured dies by suicide early in the policy. The period is two years in most states and one year in a few, and it runs alongside the contestability period. Reinstating a lapsed policy or replacing one with new coverage generally restarts the clock.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.