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Types of Deaths Are Not Covered by Life Insurance

 Types of Deaths Are Not Covered by Life Insurance

Types of Deaths Are Not Covered by Life Insurance
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Most people know that life insurance for a specified period will give an amputated death benefit to the candidate upon the death of the insured (policyholder), during the term of the policy. However, little is known about the existence of certain types of deaths that are not covered by life insurance policies.

Therefore, if you have fixed term insurance or plan to purchase one, it is imperative that you know the deaths your insurance policy does not cover such as:

Risky activities

Depending on the situation and your policy, you may not be covered if you die while participating in the risky activity. Risky activities are recreational activities that increase the likelihood of injury or death, such as:

• Diving

• Base jump

• Jet skiting

• Car racing

• Flight

• Climbing rocks and mountains

The risky activities category also includes some jobs, such as working as a logger, pilot, offshore oilrig operator, marine fisherman, and underground miner.

If you engage in risky activities, whether for fun or business, you can still purchase a life insurance policy - but you may end up paying higher premiums. 

Depending on the severity of the activity, your insurance company may add an exception to the policy prohibiting payments if you die while participating in this activity.


If you engage in any risky activities, let your insurance company know during the application process. Otherwise, your insurance company can cancel your policy or refuse to pay the death compensation.


Under the "killer's rule," if the beneficiary kills you - or is somehow linked to the murder - they will not receive death compensation. 2 Instead, your insurance company will pay the death benefit to the potential beneficiaries or for your property.


Generally, life insurance covers suicide. However, most policies have a "suicide clause" - or an appeal period - during the first two years of the policy.

Life insurance will not cover a suicide that occurs during this period. Things can get tricky if the policyholder dies of a drug overdose during this time. 

However, in this case, the insurance company would need to demonstrate that the overdose was intentional to withhold death benefit.

Other reasons life insurance will not pay

Lying on the app

Life insurance companies can withhold death benefits if you lie about your claim (by the way, this is insurance fraud). For example, an insurance company can cancel your policy, and your beneficiaries will lose the benefits if you lie about:

• Family health history

 Medical cases

• Alcohol and drug abuse

• Dangerous activities

 Travel plans

Not naming a beneficiary (or they will lose you)

Paying death compensation becomes complicated if you don't have specific beneficiaries - or if you did and they corrupted you beforehand. In these cases, the death benefit goes to your property and not necessarily to your loved ones.

It is necessary to designate primary and emergency beneficiaries to receive death insurance benefits in the event of sudden death. Otherwise, benefits are subject to probate validation, and they may not end up where you intended.


Life insurance can provide peace of mind and a valuable financial safety net for your loved ones. In general, the policies cover deaths from natural causes, disease, and accidents. 

However, insurance companies can withhold benefits in certain situations. Be sure to read the nitty-gritty of your policy to understand what is being covered - and what is not.