My father had an accidental death policy but he committed suicide. Can I still file this claim?

1. 

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   Peggy Mace

   Most of the U.S.

   Most accidental death policies have an exclusion for suicide, which means it will not pay the benefit for death caused by suicide. If you can find a copy of your father's policy, there will be a section listing exclusions. If you cannot find a copy, you could call the company he got it through and ask them to look up the exclusions for you. This must be a horrific time for you, so feel free to contact me directly if you'd like me to assist you.

   Answered on October 22, 2014

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   Tim Wilhoit

   Owner, Your Friend 4 Life, Brentwood TN

   First off, I am very sorry for the loss of your father, my condolences. Unfortunately, an accidental death policy will only pay the claim as an accidental death and will not cover a suicide. The only hope I can offer is if the death is questionable and may have been accidental, but if the ruling is for sure suicide, I am very sorry to say the claim will be denied.

   Answered on October 23, 2014

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   Stan Cox II

   Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii

   Accidental death insurance policies are generally pretty specific. In other words accidental death policies do not cover "natural causes" or death caused by illness, heart attack, stroke and the like. In fact there's usually a time limit within which a person must die as a result of an accident in order to be covered by the policy. So if a person is critically injured in an accident, but lives beyond the time limit then dies as a result of the injuries, the policy will not cover the death.

   Answered on September 21, 2015

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