![]() ![]() Does a mental health condition affect a life insurance claim? The full terms & conditions can be found in the Policy Booklet. We’ll consider the method and timing of the death, any documentation left by the deceased or anyone else, and the evidence available from the time and location of the death. However, even without the coroner’s verdict of suicide, we may decide in our reasonable opinion that the insured person took their own life. If the coroner concludes that the death came as a result of suicide or intentional and serious self injury, the life insurance policy will be cancelled, if the death occurred within a year of the policy start date. ![]() How we assess life insurance suicide claimsĭepending on the circumstances surrounding a death, it may be investigated by a coroner, who may ask for a post-mortem or hold an inquest. Beyond this period of one year, this exclusion doesn't apply and so we will assess all life insurance claims as we would any other claim where someone has passed away. This also applies in cases where, in our reasonable opinion, the insured person took their own life.īy putting this one-year policy in place, we can reduce the financial incentive for someone to tragically take their own life in the hope of triggering a life insurance pay-out, however unimaginable that may seem. If you pass away due to suicide or intentional and serious self-injury within the first year of taking out a life insurance policy, then your life insurance doesn’t cover this. ![]()
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