Intentional death resulting from suicide is not covered if the suicide occurs within the first two years you are insured by your policy (one year in some states).
All exclusions that apply should be stated in the life insurance contract; such as, suicide, war or aviation, among other things.
If you pass away during the term of your life insurance policy, your policy death benefit is paid out to the beneficiary you name in your life insurance policy.
If you outlive the term of your policy, there is no death benefit paid out on your life insurance.