Each life insurance policy applies different rules regarding the coverage, and specific exclusions that may apply to the policy.
You should read your life insurance policy clauses carefully to understand what may or may not be covered by your policy.
Usually, however, suicides that take place at least two years after the life insurance policy issue date are covered.
State regulations also determine the validity of such clauses. In some states, such as Colorado, the suicide clause is only one year, so if the suicide occurred more than one year after owning the life insurance policy it may be covered.
However, most suicide exclusions apply for a period of two years.
Here's how you can review life insurance terms and learn more about life insurance coverage.