It depends on the policy. The last policy I got had a 2 year clause, the time frame is almost over I believe. Now I can jump off the bridge and my husband can collect.

usually, they dont cover for suicide

usually not in the first 13 months, but it also depends on the actual policiy, they are all different.

absolutely! and thats why my father did it when his dui's caused $500 per month car insurance

Depends on the policy. There usually is a waiting period. A lot of policies don't cover it at all. I don't know if I'd have the nerve to ask the salesman that question while buying a policy.

I think it's usually a two year exclusion period. All policies say what they cover, so the owner needs to read the policy to find out.

Depends on the conditions set for for the policy. My policy, gotten well over a decade, allows suicide - however its only a part payment and that suicide can't take place with in the first 5 years of having the policy or the policy becomes null and void. It even has a clause in there on the manner of my suicide and how much it pays. Insurance companies used to have a no self murder policy, however in more recent times depression has become a pretty well known disorder and suicidal tendencies in depressed people is 'normal' for the disorder. Thus if say I was under treatment for depression and I went and offed myself, my spouse would collect more than if I just went and threw myself off a tall structure in a fit of angst. Also, some companies understand that long term illness especially terminal ones are 'good reasons' to cash in sooner so either they turn the other eye, or they have it written in the contract where suicide due to terminal illness is included or covered by the policy holder. Again that all boils down to the policy you have, and what company you are dealing with.

Only if you happen to have some kind of clause or stipulation that says they will. Im not sure any insurance carriers allow for that any more... I don't know much about such things.

Yes, nearly all policies cover suicide, providing there was no prior record of suicidal tendencies when the policy was written and the suicide happend after the policy was in force for two years.

Way are you going to kill yourself

no. suicides voids the policy

You would have to read through the policy..most don't cover suicide but some do. Of the ones that do you will have to read through the stipulations, look for waiting periods, reduced amount of coverage..etc :) Just for the record..anyone contemplating something like this..Money isn't worth it..your family would rather have you :)

Yes, some do but they usually have a period of say 2 or 3 years it is exempt from coverage.

I have been making some enquiries regarding this in the UK (where I live). I wish to take out Life Insurance, but I must insist that it covers me in the event of suicide for a couple of reasons; firstly, I have a history of suicide attempts (obviously all failed) so it is likely that some forms of accidental death may be judged to have been suicide, even if they weren't, because of my prior history of attempts. Secondly, it may well be that I do take my own life in the future, due to my suffering from an extremely painful, but non-fatal, condition that means that my quality of life is severely restricted, and very often the option of death is preferable to continuing with the pain and condition for years to come (a decision that people that have spoken to me, despite being very against anyone attempting suicide, have come to understand why I would feel that way and agree that, placed in the same situation, may well consider the same decision). I am arguing with a couple of companies at present that they should include this in my coverage for the following reasons: firstly, that although I have a history of suicide attempts in my past, ALL of them have (obviously) failed. Therefore, I have a history of NOT BEING ABLE to commit suicide, so am actually less of a risk than most others (having proved time after time that although I wish to commit suicide, I am unable to suceed, so therefore are less likely to suceed in the future). My second argument for their covering me on this matter is that most people (even though I disagree with them in my case) treat a suicide as evidence of mental illness. Therefore, if you have died as a result of an illness, the insurance company should pay up. My third line of argument for them covering me is that, in order to control the pain caused by my condition, I regularly need to take pain medication (morphine) in amounts that would easily be considered lethal amounts to the average person. This means that in the event of a particularly painful episode of my condition, it is common for me to come extremely close to the line between a dosage strong enough to control my pain and a lethal dosage that would kill me. In the event that I do, accidentally, cross this line (by taking just that small amount of pain relief too much that causes an overdose) then it would be all too simple for the doctor to claim that I have committed suicide, even though it was genuinely an accidental overdose.