So, if you are the insured person under a life insurance policy, and you pass away, your beneficiary (person or persons you choose) receives the death benefit from your life insurance policy.
You (the insured) are covered for death resulting from a covered cause, such as, old age, natural causes, accidents, etc.
However, suicide is not usually covered the first 2 years you are insured (one year in some states).
Learn more about what a life insurance policy covers