Immediate Answer
In Pennsylvania, most life insurance policies exclude suicide coverage during the first two years of the policy. After that period, if a person dies by suicide, the insurer generally pays the death benefit. However, policy wording varies, so review your specific contract.
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How Suicide Is Handled in Policy Terms
Standard life policies contain a suicide clause that limits coverage for the initial two years. If a claim is filed within that time frame, the insurer may deny the benefit or pay only a portion, depending on the policy's language.
What Happens After the Exclusion Period?
Once the two‑year period passes, the suicide clause typically no longer applies. A policyholder who dies by suicide after that time is usually treated like any other death, and beneficiaries receive the full benefit, assuming no other exclusions apply.
Checking Your Policy
Because wording can differ, read the policy's exclusions section carefully. Look for phrases such as "suicide exclusion" or "two‑year limitation." If the policy is unclear, contact the insurer's customer service or a licensed insurance agent for clarification.
Common Misconceptions
Some people believe all life insurance covers suicide. That is false; only policies that explicitly state otherwise provide coverage during the first two years. Many policies use the standard clause, so it is essential to confirm the details.
When a Claim Is Denied
If a claim is denied due to the suicide exclusion, the beneficiary may appeal. The insurer must provide a written explanation. In some cases, the beneficiary can negotiate a settlement or seek legal advice if they believe the denial is unwarranted.