Does Life Insurance Have an Initial Exclusion Period?

I’m looking into obtaining Life Insurance so my family have enough to get by on should the worst happen. However, if they need to make a claim, I can’t find any information on exclusion periods. Am I correct in thinking that like other insurances there is such a thing?

Question asked by Daniel Reed
13/04/2021

With Life Insurance there are no initial exclusion periods. Once the policy is in force you are covered and the claim will be paid if you die within the policy term.

However, there can be initial exclusion periods applied on payouts for suicide. Some insurers require you to have the policy in place for 12 months before they will pay out due to a suicide.

Speak to an adviser

It is important to talk with an adviser if you have any questions like these as each insurer can have their own rules regarding certain circumstances and the adviser can make you aware of these fully before purchasing any policy.

Compare Top 10 UK Insurers

Takes approx. 60 seconds
  • £
Verified by Norton Symantec icon
 Or Call Us

Frequently Asked Questions

Contact Us

Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
London
EC4V 4AB
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.