Can the beneficiary get compensation after buying insurance to commit suicide?

Life insurance is paid, but there is still a premise that there is a time limit, usually two years. Two years later, if you commit suicide, the insurance company will also pay for it, and the amount insured will be how much.

Article 44 of the Insurance Law stipulates that if the insured commits suicide within two years from the date of the establishment of the contract or the resumption of the contract, the insurer shall not be liable for paying the insurance money, except that the insured commits suicide as a person without civil capacity. If the insurer is not liable for the payment of insurance benefits in accordance with the provisions of the preceding paragraph, it shall return the cash value of the insurance policy in accordance with the contract.

1. There are several main meanings: 1 Suicide within two years from the date of establishment or entry into force of the contract, the insurance company will not bear the responsibility, but will return the cash value (in simple terms, the cash value is the remaining money of your premium plus dividend income. According to different types of life insurance, it is generally only 20-46.66% of the original premium, and the silver product can reach 80%.

2. Two years after the establishment of the contract or the restoration of the effectiveness of the contract, the insured commits suicide, and there is no legal treatment. Freedom refers to freedom that is not stipulated by law and can be stipulated in the life insurance contract. If the contract stipulates that the insurer shall not bear the liability, otherwise, the insurer shall bear the liability. If the insured commits suicide, the insurer shall pay in full.

3. The law stipulates that it is two years, and the exemption clause without life insurance is less than two years.

The standard of suicide is determined by the public security organ. An insurance contract with the death of the insured as the payment condition does not require suicide as the payment condition, but only the occurrence of the death result of the insured as the payment condition.

5. In case of violation of laws, the insurer is generally not liable for the death of the insured due to violation of laws and regulations, but there are exceptions provided by law.

Article 45 If the insured intentionally commits a crime or resists criminal compulsory measures taken according to law, resulting in disability or death, the insurer shall not be liable for paying insurance benefits. If the applicant has paid the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy in accordance with the contract.