Will suicide after 2 years of term life insurance be exempted from liability for intentional self in

Term life insurance will not commit suicide after two years because of intentional self-injury, so exempt from liability, this question depends on the specific insurance company's regulations, many insurance companies are stipulating that suicide and self-injury are not within the scope of compensation, if this can be compensated, then some people may choose to buy a high amount of regular first, and then commit suicide, leaving a large amount of money to the beneficiary. As a commercial company, insurance companies will not make losses in business, so many insurance companies do not pay for suicide. At the same time, I also hope that I can live well, and I am not even afraid of death, so why should I be afraid of living?

However, depending on the circumstances, there is no time limit for those who are incapacitated for civil conduct at the time of suicide, and they can be compensated.

1. Life insurance does not necessarily cover suicide.

Many people think that after buying term life insurance, as long as the waiting period has passed, the life insurance can be paid if there is a problem, but this is not the case. If you deliberately commit suicide after buying insurance, the insurance company will not bear this responsibility, so the general life insurance will agree that you will not be liable for suicide within two years. Except for persons who lack capacity for civil conduct.

2. Suicide is generally limited to two years.

However, some insurance companies will stipulate that if you commit suicide for more than two years, you can pay for it, because people generally feel that if a person wants to commit suicide, it will not last for two years, and if he can commit suicide after two years, it will be like a year, and many people will not reach this state.

Third, reparations are not an encouragement of suicide.

Although it is possible to pay for suicide after more than two years, in most cases, the insurance company will not do this, and the two-year commitment is also to give those desperate people some reason to live and find hope to live. Therefore, we also hope that everyone can see the sunny side of life, see the positive side, love life, and live well.

No, because the contract is valid for more than two years, and in the event of suicide, term life insurance can be paid.

No, he will still be punished for his mistakes, and there will be some responsibility for his family.

No, it won't. Since you have done something wrong, you should pay the corresponding responsibility, and it is impossible to avoid responsibility, unless you are mentally ill.

If the insured commits suicide two years after the conclusion of the insurance contract, the insurer shall pay the insurance money in accordance with the contract.

Article 66 of the Insurance Law: In the event that the insured commits suicide in a contract where death is a condition for the payment of insurance benefits, the insurer shall not be liable for the payment of insurance benefits except as provided in the second paragraph of this article, but the insurer shall pay the insurance premiums paid by the policyholder in accordance with the insurance policy.

Refund its cash value.

If the insured commits suicide after the expiration of two years from the date of the establishment of a contract with death as a condition for the payment of insurance benefits, the insurer may pay the insurance benefits in accordance with the contract.

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There will be no compensation because suicide is an intentional act and is not an accident insurance.

The definition of accident refers to the situation of bodily injury to the insured caused by unintentional, external and unforeseen causes, such as drowning death is an accident, but suicide death is not an accident, it is an accident caused by the original factor.

If you choose whole life insurance.

Suicide is compensable, and in the usual long-term insurance policies, such as whole life insurance, the insurance liability stipulates that the suicide will be covered. Under the Insurance Act

Article 44 stipulates that if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable to pay the insurance money, unless the insured is incapacitated at the time of suicide. That is to say, life insurance products will not be covered for compensation within 2 years, and accident insurance will not be covered for more than 2 years.

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Do you know that two years after buying life insurance, suicide can only be claimed?

In the terms of the insurance, intentional suicide is not excluded after two years, and the insurer should still pay the insurance benefits, because the main purpose of life insurance is to provide protection to dependents. In addition, since suicide is one of the causes of death, this factor has been taken into account in the preparation of the life table, on which the calculation of insurance premiums is based. The restriction of the suicide exclusion to two years is mainly aimed at reducing adverse selection and preventing deliberate suicide from purchasing life insurance.

Insurance Law of the People's Republic of China

Article 44.

In the event of a contract in which the death of the insured is a condition for the payment of insurance money, if the insured commits suicide within two years from the date of the conclusion of the contract or the restoration of the validity of the contract, the insurer shall not be liable for the payment of the insurance money, unless the insured is incapable of civil conduct at the time of suicide. If the insurer does not bear the responsibility to pay the insurance money in accordance with the provisions of the preceding paragraph, it shall refund the cash value of the insurance policy in accordance with the contract.

Hello, the payout for suicide varies depending on the type of insurance, and if you apply for term life insurance, long-term life insurance, both-life insurance, and annuity insurance, you can get compensation for suicide after two years, except for accident insurance. Suicide after 2 years of continuous accident insurance is not covered because suicide is not an accident.

The amount of compensation for suicide varies depending on the type of insurance you plan and the maximum amount insured, so I hope it will be helpful to you.

According to the Insurance Law, there is no compensation for suicide within 2 years from the effective date of the policy, but if you commit suicide after 2 years, you will be compensated according to the death liability.

Hello: There is no life insurance product that is more than two years old, and the insurance is more than two years before suicide is compensated. Whether it is a suicide or not is up to the Ministry of Public Security's closing report.

Hello! Suicide should belong to oneself, not to an accident.

There are clear provisions for suicide in life insurance, which is generally called suicide clauses. The content of the first clause is that in a long-term life insurance contract, the suicide of the insured within two years of the effective date of the insurance contract is an exclusion under the insurance contract, but if the contract is effective for more than two years or more than two years, the insurance company needs to compensate its beneficiary according to the insurance contract.

However, since individual injury insurance is a short-term life insurance, from the perspective of maintaining normal social order and maintaining the basic social morality of society, the suicide of the insured is listed as an exclusion in accident insurance. In other words, no accident insurance is liable for the suicide of the insured.

Hello! Suicide is not an accident, and life insurance for more than two years is settled. Welcome your call and praise! Thank you.

No, there is no insurance to cover suicide. Please cherish life!

Suicide is exempt from blame, and life must be cherished.

Suicide is not an accident. If you commit suicide after 2 years of life insurance, you can pay for it.

Hello! According to the provisions of the Insurance Law, the suicide clause is one of the commonly used clauses of life insurance, which refers to the death of the insured due to suicide after a certain period of time (generally two years) after the effective date of the insurance contract, and the insurance company shall bear the insurance liability and pay the death insurance compensation according to the agreed insurance amount.

Since suicide is one of the causes of death, this factor has been taken into account in the preparation of the life table, and the calculation of insurance premiums is based on the life table, so the insurance company limits the suicide exclusion to 2 years mainly to reduce adverse selection, and its purpose is to prevent deliberate suicide from purchasing life insurance products.