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

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.

Very good service from Rauri – he has been very helpful and thorough.

Kathryn Wright
16/05/2021
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