In Florida, is there a way around the two year suicide exclusionary time period of a life insurance policy?
I know that certain states (I was licensed in New York to sell life insurance) the time restriction for a suicide may vary, regardless of what the policy states. For the purpose of this question, the state that this is involved in is Florida. If, for the sake of conversation, one were to commit suicide within the first two years of a life insurance policy that has a two year suicide exclusion (but is in otherwise good standing; application is completely true, payments are current and on time, etc), is there a way that the beneficiary could fight the claim and make the insurance company pay? What if the individual was drinking or decided to take drugs just before taking their own life, could it be ruled as mental illness causing the suicide? Or, does any reason not matter, just the fact that the insured took their own life? Basically, in a nutshell, is there a way that an insured can commit suicide within the suicide exclusionary period, and still have the face value of the policy pay the beneficiary? Please help me with this answer, any accurate answers are greatly appreciated.

That would depend on the POLICY and the CARRIER. However if this is clearly explained on the policy, there is no way around it. Black and white is as clear as it gets.

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