life insurance claim for suiside victim

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life insurance claim for suiside victim

a daughter of a friend of mine committed suiside, and she has a life insurance policy for 5 years already. the question is could the beneficiary claim the money?

Asked on June 22, 2009 under Insurance Law, California

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

Typically, there is a clause in a life insurance policy excluding claims based on death by suicide.  However, some policies only exclude this type of claim for the first 2 years after the policy is issued.

You need to review the policy carefully.  If there was only a 2 year exclusion, and the policy has been in effect for 5 years; then yes, a beneficiary could claim the insurance proceeds.


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