What Types Of Death Does Term Life Insurance Cover? 
In most if not all cases , Life insurance , regardless of whether it is term or permanent will , after 2 years , provide coverage for pretty much any cause of death . During that first 2 years , death by suicide will more than likely be excluded , but after the 2 year period this is included as well . As mentioned above , it is possible that death due to an act of was may be excluded so it is important to talk to your insurance professional about the specifics of your contract . 