Does life insurance pay out for suicide? 
Certainly the question has been well answered above , but I 'll go ahead and add my `` two cents '' worth ... Insurance companies are n't in the business to give away money for free . So they take reasonable cautions when placing policies . One of those cautions is the exclusion for suicide . Most states have the two year exclusion for suicide , so if committed within two years of implementing a policy they will only return the premiums paid and not the Face Benefit of the policy . With a couple exceptions as mentioned above , after the two year contestibility period most policies will indeed pay the benefit amount even in the case of suicide . 