What Will Life Insurance Not Cover? 
Life insurance contracts are remarkably simple . When you die , your beneficiary gets paid . There are very few exceptions to this rule : 1 . Suicide in the first two years -LRB- you ca n't blame the carriers for that one -RRB- . 2 . Insurance fraud in the first two years -LRB- ca n't blame them for that either -RRB- . 3 . Dangerous activities disclosed at the time of application . These are really for specific activities such as helicopter flying . Important note : there are excess-market carriers that will apply additional exclusions , such as entering war zones , and other especially dangerous actions . But by and large , your mainstream carriers will take you as you are and not asses any restrictions or exclusions . 