What Type Of Death Does Life Insurance Cover? 
Life insurance covers death due to accident , injury , illness , and old age . The only thing it does not routinely cover is suicide during the first two years that the policy is in effect . Some policies may exclude death caused while committing a felony , acts of war , r other similar , unusual circumstances . But those type of exclusions have become less common . Rather than pay an extra cost to insure some high risk activities such as piloting small planes or deep sea diving , some people will opt to have an exclusion placed on their policy for that particular activity . Unless it is spelled out , though , your life insurance policy covers death by any reason except suicide in the first two years . 