Under What Circumstances Will Life Insurance Not Pay? 
If your life insurance policy has a rider that excludes a certain type of death -LRB- e.g. death from skydiving or while piloting a plane -RRB- , the policy will not pay if death occurs by that cause . Life insurance policies will not pay for suicide during the first two years of the policy . And most policies exclude death resulting from the commission of a crime , acts of war , or some other obscure reasons . Aside from these unusual circumstances , life insurance will pay . Companies can contest payment of the policy during the first two years it is in existence , so just be sure to answer the questions asked of you when completing your application and phone interview or exam . Then you will not have to worry about the contestible period hampering your policy 's payment . 