After the "contestability period" ends (as decsribed below), an insurance company will pay a claim even if suicide was involved and some states have reduced the contestability period down from 2 years to 1. The contestability period is the timeframe in which an insurer can question any answer provided in the application submitted by the insured. The insurer can also create temporary exclusions to be in effect during that period of time, such as suicide. If false information is found during this period or a prohibted act is taken (e.g. suicide), the policy can be revoked, whether or not a claim has been submitted. After that period has ended, the insurance company cannot contest something like a suicide.
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