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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

Life Insurance Exclusion Periods Explained

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.

Michael Barrow was absolutely awesome, professional and truly helpful all the way setting up our insurance policy, made it super easy to select the right one. Highly recommend him for everyone. Thank you so much for your hard work Michael.

Istvan Szabo
24/04/2019
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