Life Policy ProvisionsQuestion 541 of 716
An insured dies by suicide 14 months after the policy was issued. The insurer will most likely:
a.Deny all liability for the claim and simply retain every premium the policyowner had paid into the contract
b.Refund the premiums paid (or return the cash value) instead of paying the face amount
c.Pay double the face amount under the accidental death provision
d.Pay the full death benefit like any other claim
Explanation
A death by suicide within the suicide-clause period (commonly two years) is not paid as a death benefit; the insurer instead returns the premiums paid. Suicide is not an accidental death, and the insurer does not simply keep the premiums.
This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 716 questions free — no signup required.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Related questions on this topic
- A major advantage of reinstating a lapsed policy rather than buying a brand-new one is that:
- The insured's age was understated on a life application, and the error is found at the time of death. Under the misstatement of age provision, the insurer will:
- Because a misstatement understated the insured's true (older) age, the premiums charged were too low. The adjusted death benefit will therefore be:
- If suicide occurs after the policy's suicide-clause period (commonly two years) has elapsed, the insurer will:
- The free-look provision in a life insurance policy gives the policyowner the right to:
- Under the entire contract provision, the insurer may NOT:
Last reviewed: · editorial process
PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)