What Does Life Insurance Not Cover?

If you are purchasing life insurance you may be wondering what isn't covered by a life insurance policy.

Well, life insurance pays out a death benefit to your beneficiary upon your death if you die while your policy is In Force, and subject to the terms, conditions and exclusions stated in your life insurance contract (policy).

There are several reasons why a life insurance death benefit claim may be denied, including fraud, misrepresentation of a material fact on your application for coverage, suicide within the first 1-2 years of being insured, or murder of the insured by the beneficiary of the life insurance.

Learn more about what is not covered by life insurance.