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Does life insurance cover suicide in Florida?

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All individual life policies contain a "contestability clause." Should an individual die within the first two years of a policy, assuming all policy premiums have been paid on time, the ins. co. has the right to investigate prior to paying the claim. If a policy lapses-that is, goes out of force due to non-payment of premium, then the policy must be re-instated, and this two year period starts over again. Should a person commit suicide after this period, and while the policy is in force, the insurance company is obligated to pay the claim. However, if the insurance co. finds that the insured person had commited fraud when he/she applied fro the policy, they can refuse payment; in these cases, the co. will usually refund all paid premiums, plus a modest amt. of interest.
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