When Does Life Insurance Not Pay? 
Life Insurance will not pay for a death due to suicide during the first two years of the policy . If death occurs during the first two years , called the contestable period , there will be a review to see if the cause of death was due to something that was withheld from the application on purpose . If there was blatant lying or omissions on the application or in a phone interview , the death claim could be denied . Some policies put in clauses that the policy will not pay for death incurred while committing a crime or while at war . Those need to be reviewed with each company . For the vast majority of policies , the death claim is paid . 