From the terms and conditions of one life company. There is a 1 year exclusion with the exception of assigned policies.
No Lump Sum onDeathBenefit, Income on
DeathBenefit, Whole of Life Continuation
Benefit, Terminal IllnessBenefit or Children’s
Lump Sum onDeathBenefit is payable if the
Life Insured or a child of the Life Insured dies
by his or her own hand or act or is diagnosed
as being terminally ill as a result of his or her
own deliberate act within 1 year of the Policy
StartDate or within 1 year of the date of any
reinstatement of the policy or within 1 year of
a voluntary increase in Lump Sum onDeath
Benefit, Income onDeathBenefit and/or Whole
of Life ContinuationBenefit, or within 1 year
of being added on to the policy, whichever is
applicable, except that if the policy has been
Assigned to a third party in good faith,the
benefit payable is limited to the interest ofthat
third party which was acquired for monetary
consideration