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The “suicide clause.” Usually, this clause states that no death benefit will be paid if the insured commits suicide within two years of taking out a policy. However, unless one committed suicide within the first two years of their policy, the insurance company will likely return the premiums paid, but no added benefits would go to loved ones. No matter what, in such scenarios, any family members left behind should consult the insurance company if the policyholder has committed suicide. There are plenty of examples where family members had to go to court to collect insurance benefits.
You may have an argument if the policy has been in place for more than 2 years. This is definitely a situation where the insurance may be hoping the family doesn't put up a fight.
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