Life Policy ProvisionsQuestion 542 of 716
If suicide occurs after the policy's suicide-clause period (commonly two years) has elapsed, the insurer will:
a.Pay the beneficiary only one-half of the stated face amount
b.Deny the claim, since suicide is a permanently excluded cause of death
c.Pay the full death benefit like any other covered claim
d.Refund only the premiums that were paid, with no death benefit
Explanation
Once the suicide period has passed, suicide is treated as any other cause of death and the full benefit is paid. Refunding premiums or denying the claim applies only within the initial suicide period.
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Related questions on this topic
- 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:
- An insured dies by suicide 14 months after the policy was issued. The insurer will most likely:
- The free-look provision in a life insurance policy gives the policyowner the right to:
- Under the entire contract provision, the insurer may NOT:
- Which right belongs to the policyowner rather than to the insured (when they are different people)?
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)