1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Yes, unless it is an accidental death policy. That is why you buy life insurance, Life insurance will general cover a death by any means not specifically excluded in the policy. For example most life policies have a two year suicide clause, they would not pay for suicide within two years of taking out the policy. Most would not pay if a person is killed while committing a crime. Some will not pay for someone killed fighting in a war. There is a two year incontestability clause which allows the insurer to deny a claim if a client lies on an application and dies within two years. All of these are spelled out in your policy.
    Answered on April 13, 2013
  2. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Natural death is typically what a life insurance policy is written to pay out for. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
    Answered on September 9, 2013
  3. 63333 POINTS
    Peggy MacePRO
    Most of the U.S.
    Yes, Life Insurance covers natural death (death due to illness or "old age"). But Life Insurance also covers accidental death. Life insurance typically covers all types of death except suicide in the first two years of the policy. This is different from Accidental Death Insurance, which only covers death by accident and NOT by natural death.
    Answered on September 9, 2013
  4. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Traditional life insurance pays a death benefit amount to the beneficiaries of the policy no matter what the cause of death is with the exception of suicide during the contestibility (the first two years of the policy) period and sometimes when a felony murder is committed by the beneficiary against the policy insured.
    Answered on September 10, 2013
  5. 220 POINTS
    Timothy Hider
    Founder, Momentum Risk Transfer, Garden City, NY
    Yes, life insurance does cover natural death.  This is different than Accidental Death and Dismemberment Insurance (AD&D), which would only include death by accident.

    The one exception for life insurance not being covered comes within a suicide clause.  This clause is generally included in the two year contestable period.  The two contestable period provides protection for life insurance carriers.  For example, if an individual falsely omits having depression during the application/interview process and commits suicide shortly after securing life insurance protection, a life insurance carrier may deny the death benefit claim.
    Answered on September 10, 2013
  6. 4249 POINTS
    Gary Lane
    President, Lane Independent Agency, Southern California
    Yes, Life Insurance covers Natural Death. It also covers Accidental Death. There is both Term and Whole Life Insurance, and they both cover both. Some folks buy only accidental life insurance, which may be foolish, when you consider the odds, and the low cost of life insurance that covers any death. Only suicide is excluded and then only for two years for both policies. New York Life offers a wide range of Life Insurance Products. Gary Lane, Registered Representative, New York Life, 949 797 2424. Thank you.
    Answered on December 23, 2013
  7. 63333 POINTS
    Peggy MacePRO
    Most of the U.S.
    Yes, life insurance covers natural death. That is death that occurs due to an illness, or what some call "old age". Life insurance also covers accidental death, whether it be directly due to an accident, or to a health complication from having an accident, or even an accident that is caused by a health condition.
    Answered on December 26, 2013
  8. 63333 POINTS
    Peggy MacePRO
    Most of the U.S.
    Yes, Life Insurance does cover natural death. When you fill out a life insurance application, it will ask about certain health conditions (unless it is a guaranteed issue policy, which does not ask about your health). If you answer those questions truthfully, and take the required exam, and are approved for your policy, your policy will pay the death benefit even if you pass away from an existing health condition.
    Answered on June 27, 2014
  9. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Life Insurance will cover any type of death not specifically excluded. Natural death would definitely be covered, as well as accidental death. Within the two year incontestability period, conditions not mentioned on the application and suicide would not be covered. Death in commision of a crime is usually not covered and some policies exclude death as a result of combat. Do not confuse an Accidental Death policy with a Life insurance policy. Accidental death policies only cover accidental death. I have had some clients confused on this issue.
    Answered on April 9, 2015
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