The suicide exclusion typically lasts for:

The suicide exclusion period typically lasts for two years in life insurance policies. This period is designed to prevent individuals from taking out a policy with the intention of committing suicide shortly thereafter and thereby ensuring a payout to beneficiaries. During the first two years of the policy, if the insured commits suicide, the insurer is not obligated to pay the death benefit. However, after this two-year period, the insurer generally cannot deny the claim based on suicide, provided that the policy is active and all premiums have been paid.

This two-year timeframe is a standard practice among many life insurers and serves to balance the interests of both the insurer and the policyholder. It encourages careful consideration and reflection on the part of the insured before making a decision about life insurance, while also protecting the insurer from fraudulent claims related to suicide within a short period of time after policy inception.

Understanding this period is crucial for agents and policyholders alike, as it establishes the boundaries of coverage related to mental health and the potential risks involved in providing life insurance to individuals who may be experiencing severe psychological distress.