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What is a suicide rider on a life insurance policy?

If the insured commits suicide less than two years after buying the policy, there is no death benefit. In the case of a whole life policy, beneficiaries would receive only the cash value. If the policyholder commits suicide after two years, it is usually treated as a "normal" death and the policy pays the full face value.




Brenda Procter, M.S., Consumer and Family Economics, College of Human Environmental Sciences, University of Missouri-Columbia














If you'd like to learn more about this and other personal finance topics, the University of Missouri offers 'Personal & Family Finance,' a correspondence course, through the Center for Distance and Independent Study (800-609-3727). Information about this course is available at





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Last update: Monday, July 21, 2008




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