What Type Of Death Does Life Insurance Cover? 
Unless you have an accidental death policy , your Life insurance would cover any type of death . Some policies may exclude war or act of war . Most policies also have a two year suicide clause , stating they will not pay if you commit suicide within two years of policy issue . There is also a two year incontestability clause which gives the insurance company the right to contest the pay out if they feel that there was erroneous information provided on the application that was relied upon to issue the policy within two years of policy issue . . 