There are only 2 claim results for term life insurance: full compensation or refusal to compensate. As long as the cause of death is not an exclusion from coverage, the vast majority of insurance companies will make full compensation. The only situation in which compensation is refused is when the insured person commits suicide within a short period (usually 1 to 2 years) after the policy is taken out. In fact, suicide is a common exclusion from life insurance coverage, but each company has different regulations and definitions. To understand the arrangements in detail, it is recommended to carefully read the policy terms and conditions.