Seriously AM NOT planning to die, but have a ? about life insurance.?

Assume someone w/ a history of mental health probs. dies a questionable death is the insurance co. most likely to delay paying the beneficiaries by gripping onto the crazy factor w/ tooth and nail? If someones loved one who was diagnosed w/ a mental illness and it's known to the insurance company died from anything that could be connected to self harm (i.e., getting hit by a car while crossing the street although it clearly wasn't suicide), were u given hell in the process of trying to get the benefits? It seems as if disturbed ppl. would be great for ins. companies to insure because there are so many reasons they could use the premiums and interest and hold it for as long as they can/use everything they can in their power to keep it from going to beneficiaries.

Seriously AM NOT planning to die, but have a ? about life insurance.?
In 48 states, life insurance policies have a two year "suicide exclusion." Colorado and North Dakota only have a one year suicide exclusion. If a person dies by suicide after the passing of this exclusion time, the company must pay benefits, except in cases of fraud.





There is no such thing as an individual being singled out for any different treatment. If the life insurance company accepts the risk, then they must pay on death even if it is a suicide, except for the exclusion periods described above.





Because of this, a person with a history of treatment for mental illness may find it difficult to buy a policy. Some companies will insure the person, but at a higher rate than others pay (called an uprate).
Reply:First of all the Insurer, does not give the policy at all.
Reply:The policy will state if it covers suicide or not. Some have an exclusion for suicide for the first couple of years.
Reply:My guess is if the insurance company would even insure the person at all, they would put a lifetime exclusion on the policy concerning suicide.





Suicide is determined by the police, and the medical examiner, not the insurance company.





Of course insurance companies are in existence to screw you out of the payout, that is how they stay in business, so they may push the medical examiner to more strongly look at suicide. But without the cause of death ruled suicide by the M.E., they would not have a leg to stand on in court.