What Types of Death are Covered by Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Death is a natural part of life, but it can still be difficult to discuss. When someone dies, their loved ones are often left with many questions. One question that often comes up is: what type of death is covered by life insurance? In this guide, we will answer that question and more! We will discuss the types of death covered by life insurance policies and what you need to do to ensure your loved ones are taken care of financially after you die.

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What Types of Death are Covered by Life Insurance?

Most life insurance policies cover any death, whether natural, accidental, or self-inflicted. However, there are some exceptions to this rule.

For example, your life insurance policy may not pay out if you die due to a pre-existing medical condition.

It is important to read the fine print of your life insurance policy to ensure you understand what is and is not covered.

If you are still unsure about what type of death your life insurance policy covers, we recommend contacting your life insurance company or agent. They will be able to give you specific information about your policy and answer any questions you may have.

Does Life Insurance Cover Natural Death

Life Insurance does Not cover what Types of Death?

Life insurance policies do not typically cover a few types of death.

For example, if you die due to suicide, your life insurance policy may not pay out. This is because most life insurance policies have a suicide clause, which means that the policy will not pay out if the death is caused by suicide.

Another type of death that is not typically covered by life insurance is death by alcohol or drug abuse. Your life insurance policy may not pay out if you die due to alcoholism or drug addiction. This is because most insurers consider these to be self-inflicted deaths.

Finally, your life insurance policy may not pay out if you die due to a criminal act. This is because most policies exclude deaths that are caused by criminal acts.

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Next Steps

Thank you for reading our guide on life insurance. We hope that you now understand better what type of death is covered by life insurance and how to get coverage. If you have any further questions, please do not hesitate to contact us. We are always here to help!

What Deaths Does Life Insurance Cover

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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