What Types of Death are Covered by Life Insurance?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What Types of Deaths Does Life Insurance Cover?

Life insurance policies typically cover a wide range of death scenarios. The main purpose is to provide financial protection to the beneficiaries in case of the policyholder’s untimely death. Here are the common types of deaths covered:

  1. Natural Death: This includes death due to health-related issues like heart attacks, cancer, or other natural causes.
  2. Accidental Death: Deaths resulting from accidents, such as car crashes or falls.
  3. Suicide: Most policies cover suicide, but usually after a certain period, known as the suicide clause period, which is typically two years.
  4. Homicide: Beneficiaries can receive death benefits if the policyholder is a victim of homicide, barring any involvement of the beneficiary in the crime.
Does Life Insurance Cover Natural Death

Does Life Insurance Cover Natural Death?

Yes, life insurance does cover natural death. Natural death, often resulting from illnesses or age-related health issues, is one of the primary types of death covered by life insurance policies.

What Types of Death are Not Covered by Life Insurance?

There are certain exclusions where a life insurance policy may not pay out. These include:

  1. Fraud: If the policyholder has lied or provided false information on their application.
  2. Expiry of Term Life Insurance: If the policyholder has term life insurance and dies after the term has expired.
  3. Certain Exclusions in the Policy: Some policies have specific exclusions like death due to risky activities or certain hazardous sports.
  4. Criminal Activity: Deaths resulting from the policyholder’s involvement in criminal acts.
  5. Drug or Alcohol Abuse: Deaths due to drug overdose or alcohol abuse may be excluded, depending on the policy terms.
  6. Suicide within the Exclusion Period: If the policyholder commits suicide within the exclusion period (usually two years from the start of the policy), the death benefit might not be payable.
What Kind Of Death Are Covered In Term Insurance

Life Insurance Death Coverage

Type of DeathTypically Covered?Notes
Natural DeathYesIncludes illness and age-related causes
Accidental DeathYesIncludes unforeseen accidents
SuicideYes, after exclusion periodUsually covered after 2 years
HomicideYes, barring beneficiary involvementInvestigation required
Drug/Alcohol AbuseVariesDepends on policy terms
Death in Criminal ActivityNoNot covered
Policy Expiry (Term Life)NoCoverage ends after term expires


Life insurance is designed to provide financial support to beneficiaries after the policyholder’s death, covering a range of scenarios from natural deaths to accidents. However, exclusions like fraud, policy expiry, and deaths during criminal activities are not covered. Understanding these details ensures policyholders and beneficiaries are well-informed about their coverage. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

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

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