Will an insurance company pay if cause of death is gunshot wound and manner is undetermined after the 2 year constabulary period in a case that was clearly a suicide? 
That is a great question ! I am sorry for your loss , let me say that first ... you are obviously aware that there is the two year cooling off period , and that it has passed , so I am going to assume that the company is dragging its feet about paying for some other reason . My guess would be that they are looking for evidence that will show that the death was a result of some form of criminal activity , or that there was some form of illness that was n't properly disclosed on the application . In both cases , if there is something on the policy application that was signed off on -LRB- and many policies will state that they will not pay out if the death occurs as a result of criminal activity , or fraud on the application -RRB- that they could use , they may be waiting on a more definitive answer from the police or coroner . I do not know the specifics of your case , nor anything about your insurer , so bear in mind that this is just guesswork on my part , and in no way infers , implies , or suggests any wrongdoing on the part of you , your loved one , or the insurance company . Just searching for an answer to your question . Thank you for asking . 