Under What Circumstances Will Life Insurance Not Pay? 
I agree with Jeff , Mark and Jerry 's answers , but I would like to add a bit more . Life insurance also will not pay a benefit if the death occurred in a commission of a crime and in some cases any act of war , such as militaryservice This is why the military provides its own coverage for our servicemen and women . I have seen some policies that also wo n't pay if the death was the result of an insurrection or riot . Basically , if you tell the truth on the application , you are not a current member of the armed forces serving in a war zone , and you are not a criminal , you should be okay ! 