Does life insurance pay out for suicide?
Many life insurance policies exclude suicide in the first 12 months after the policy starts. After that period, claims are usually considered in the normal way. The exact terms vary between insurers, so check the policy wording. If you or someone you know is struggling, help is available from your GP, NHS 111 or Samaritans on 116 123.
Why the exclusion exists
It is designed to prevent cover being taken out in anticipation of a claim.
Making a claim
Families should contact the insurer as normal. Many insurers have specialist bereavement teams.
Support
Some policies include bereavement counselling for families.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026