Suicide clause is a standard provision in life insurance policies that limits the insurer's liability if the insured dies by suicide within a specified period after policy issue or reinstatement, typically one or two years depending on jurisdiction. During this contestability period, the insurer usually refunds premiums paid, sometimes without interest, instead of paying the full death benefit. After the period expires, suicide is generally covered like any other cause of death, subject to policy terms. The suicide clause is intended to discourage individuals from buying coverage with the immediate intent of self-harm and to protect the risk pool from anti-selection.

Advisors explain the suicide clause to clients when reviewing policy provisions, particularly in contexts involving mental health histories or new coverage for stressed business owners. They clarify that suicide during the specified period results in limited benefits and that full coverage applies once the clause period has passed. At claim time, carriers investigate deaths within the contestability window to determine cause and verify application accuracy. Understanding the suicide clause helps advisors communicate clearly about early policy limitations, avoid misunderstandings, and encourage appropriate mental health support for at-risk clients.