---
title: "What Is Suicide Clause? Definition | Epic Life Glossary"
description: "A suicide clause is a policy provision that limits the payout if the insured dies by suicide in the first one or two years. The carrier usually returns..."
url: https://epicline.preview.multisites.ai/glossary/suicide-clause
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Policy mechanics

# Suicide Clause

A suicide clause is a policy provision that limits the payout if the insured dies by suicide in the first one or two years. The carrier usually returns the premiums paid instead.

## Why it matters

After the exclusion period ends, the policy pays the full death benefit in most cases. The length is often two years, but some states require one year. A reinstated policy may restart the clock. The clause protects carriers against buying coverage with a plan to harm oneself. If you or someone you know is in crisis, call or text 988.

Source: [law.cornell.edu](https://www.law.cornell.edu/wex/suicide)

[Read next, for familiesHow do you file a life insurance claim after a loved one dies?](https://epicline.preview.multisites.ai/guides/how-to-file-a-life-insurance-claim)

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