What Types Of Death Does Term Life Insurance Cover? 
To file a death claim a death certificate needs to be presented . The term life insurance policy could have exclusions that would result in a denied claim , such as SCUBA diving , sky diving , suicide and bungee jumping . If the death of the insured is not the result of one of these exclusions the policy will probably pay . I said probably because companies have gone to court in strange situations to determine their liability . The best known case is where a well-known gangster took out a policy in his real name and was subsequently murdered . 