Can you tack onto a previous (but replaced) life insurance policy to prevent the suicide exclusion from resulting in a denied claim?

3 months before dying, my husband replaced existing policies in place for years with one new policy. He committed suicidie within 2 yrs of policy issuance and it has been several years sicne he passed away. The previous policies were in place for more than 2 years and were replaced with a new policy (different carrier). Can I use the 2-year time from the previous policy?

Asked on June 1, 2009 under Insurance Law, New Jersey


M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

No, even if it was the same carrier.  The 2 year suicide clause would have started anew upon issuance of the replacement policy.  If your husband died within the 2 year exclusion period, then any claim you would make as beneficiary against the policy would fail.

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