How long is the suicide clause typically in force on an insurance policy?

The suicide clause in an insurance policy is generally in force for a period of two years from the policy's effective date. This clause is designed to protect the insurer from the risk of individuals taking out a policy shortly before committing suicide, which could lead to a significant financial payout.

For the first two years, if the insured dies by suicide, the insurance company typically refunds premiums paid instead of paying out the death benefit. After this two-year period, the policy will usually pay the full death benefit regardless of the cause of death, including suicide. This two-year timeframe is a standard practice in the industry, reflecting an effort to balance the insurer's need to mitigate risk while eventually providing coverage to policyholders.