Does Life Insurance Cover Natural Death? 
Yes , life insurance does cover natural death . This is different than Accidental Death and Dismemberment Insurance -LRB- AD&D -RRB- , which would only include death by accident . The one exception for life insurance not being covered comes within a suicide clause . This clause is generally included in the two year contestable period . The two contestable period provides protection for life insurance carriers . For example , if an individual falsely omits having depression during the application/interview process and commits suicide shortly after securing life insurance protection , a life insurance carrier may deny the death benefit claim . 