Our life insurance law firm resolved a $300,000 life insurance claim denied as a suicide, but we argued it was accidental and won.
Whether or not life insurance covers suicide depends on the specific terms and conditions of the policy, as well as the laws in the state or country where the policy was issued. In many cases, life insurance policies have a suicide clause or exclusion that states that the policy will not pay out in the event of suicide, typically within the first one or two years of the policy.
However, after this initial period, most life insurance policies will cover suicide. It's important to note that even if a policy does cover suicide, the policyholder's beneficiaries may still need to provide evidence that the death was not a result of suicide, such as a note or other evidence indicating that the death was accidental or not intentional.
If you're considering purchasing life insurance and have concerns about suicide coverage, it's important to carefully review the policy terms and speak with an insurance professional or attorney to ensure that you understand your coverage and any exclusions or limitations.
Autoerotic asphyxiation is a sexual practice that involves self-induced oxygen deprivation to enhance sexual pleasure or orgasm. This practice is considered risky and potentially dangerous, as it can lead to accidental death or injury.
During autoerotic asphyxiation, an individual may use various methods to restrict oxygen flow to the brain, such as a noose, ligature, or plastic bag, while masturbating or engaging in other sexual activities. This can lead to loss of consciousness, brain damage, and even death.
Many claims are denied due to alleged suicide, when in fact it was accidental.
Our life insurance attorneys handle all types of life insurance suicide denials.