Does Life Insurance Really Pay? 
Yes , life insurance pays . However , if you commit suicide during the first two years , it will only repay the premium plus interest , so do n't think of doing that . Otherwise , for a death that is insured against , yes your family or friends will collect the payment . Unless the company is substandard , they will actually come to you and deliver a check . Those few substandard operations will try to get the payment to be placed into another policy , for the beneficiary , so they do not have to pay it all out . But they can not require that , and most companies will not even try to do that . The check is theirs and they are encouraged to take it immediately , and place it in a safe place , or if they choose , spend it right away ! Thank you . GARY LANE . 