..would like to know about the different kinds of accidental claims.
Total Comments: 19
Posted: Thu Jan 08, 2009 07:19 am Post Subject:
It's OKAY to commit suicide AFTER the expiration of the suicide clause stated in the policy, usually 2 years.
What?? You are not serious Gary, right :wink:
Anyways, is attempt to commit suicide qualify for the accidental claim?
In a very recent thread of yours I've seen you advocating against a beneficiary qualifying for the accidental death benefit's f his father's life policy who got himself killed in a police raid.
I was just wondering wasn't that person in a mental distress when it happened? Definitely it wasn't per-planned. Then, why the beneficiary wouldn't qualify for the accidental death benefit of the policy?
Posted: Thu Jan 08, 2009 10:21 am Post Subject:
Jeremy Holter,
Suicide IS paid under a life insurance contract after the expiration of the suicide clause just like any other cause of death. Suicide is NOT considered dying by "accident" so no accidental death benefits would be paid.
The other thread had something to do with a drug raid and the guy was shot by the cops after he allegedly pointed a gun at the police. The family considered that death an "accident" and the insurance company did not. Since the police were cleared of any wrong doing (surprise) it's not an accidental death, it's justified homicide or considered self-defense.
If you point a gun at a police officer they will shoot to kill you every time, (suicide by cop).
Also, if the police raid the wrong house,.... and when they bash in the front door,.... you turn towards them with the remote control in your hand,.... that they mistake as a gun,.... they will shoot to kill you,.... then cover up their crime.
On the other hand, if you are murdered, that IS considered dying by accident for life insurance claim purposes.
:P :wink: For all you Internet Psychos out there who may read this thread there will be a test tomorrow morning. :wink: :P
Posted: Thu Jan 08, 2009 11:05 am Post Subject:
Leave it to you to put a funny spin on things. I always thought suicide was never covered. Seems pretty wierd to put a time limit on something. Its not like the person is going to say "I will get a policy now so in two years (and one day) I can kill myself. "
Posted: Thu Jan 08, 2009 11:58 am Post Subject:
Suicide IS paid under a life insurance contract after the expiration of the suicide clause just like any other cause of death. Suicide is NOT considered dying by "accident" so no accidental death benefits would be paid.
Gary I wasn't disputing with the fact that suicides aren't paid the death benefits. I was actually surprised by your open suggestions to people to commit suicide after the exclusion period is over :)
Posted: Thu Jan 08, 2009 12:10 pm Post Subject:
Leave it to you to put a funny spin on things. I always thought suicide was never covered. Seems pretty wierd to put a time limit on something. Its not like the person is going to say "I will get a policy now so in two years (and one day) I can kill myself. "
That is the point Fiery...since no one (apparently) can't plan ahead his/her suicide, its covered by the insurer. However, if someone commit a suicide shortly after getting the policy, the insurer can look at it as an arranged scam and can therefore decline the claim.
Posted: Fri Jan 09, 2009 04:25 am Post Subject: insurance
I do have to say, it's a bit ( REALLY ..a WHOLE lot) disturbing to read that a 'Life Insurance Agent' posts that's it's "ok" to commit suicide?!
Posted: Sat Jan 10, 2009 09:50 pm Post Subject:
I did not think it was ever covered under accidental death insurance. My father did this when I was like six, they did not pay life insurance but we did get veteran benefits after the death. He was a vietnam vet and he had a bad tour, couldn't handle life when he returned. Opted to take his life and be done with it.
Posted: Sun Jan 11, 2009 03:38 am Post Subject: insurance
In MY Life Insurance policy, Suicide is NOT covered under Accidental Death, because Suicide would be an 'self-inflicted' kind of thing.
Posted: Tue Jan 13, 2009 10:06 am Post Subject:
I do have to say, it's a bit ( REALLY ..a WHOLE lot) disturbing to read that a 'Life Insurance Agent' posts that's it's "ok" to commit suicide?!
None has suggested that its okay to commit suicide. It was just the natural touch of Gary :wink:
Suicide, however, is entitled to receive the life insurance benefits. Once the exclusion period is over suicide will be considered as a covered peril and therefore the beneficiary will receive the policy proceedings.
Posted: Thu Jan 08, 2009 07:19 am Post Subject:
It's OKAY to commit suicide AFTER the expiration of the suicide clause stated in the policy, usually 2 years.
What?? You are not serious Gary, right :wink:
Anyways, is attempt to commit suicide qualify for the accidental claim?
In a very recent thread of yours I've seen you advocating against a beneficiary qualifying for the accidental death benefit's f his father's life policy who got himself killed in a police raid.
I was just wondering wasn't that person in a mental distress when it happened? Definitely it wasn't per-planned. Then, why the beneficiary wouldn't qualify for the accidental death benefit of the policy?
Posted: Thu Jan 08, 2009 10:21 am Post Subject:
Jeremy Holter,
Suicide IS paid under a life insurance contract after the expiration of the suicide clause just like any other cause of death. Suicide is NOT considered dying by "accident" so no accidental death benefits would be paid.
The other thread had something to do with a drug raid and the guy was shot by the cops after he allegedly pointed a gun at the police. The family considered that death an "accident" and the insurance company did not. Since the police were cleared of any wrong doing (surprise) it's not an accidental death, it's justified homicide or considered self-defense.
If you point a gun at a police officer they will shoot to kill you every time, (suicide by cop).
Also, if the police raid the wrong house,.... and when they bash in the front door,.... you turn towards them with the remote control in your hand,.... that they mistake as a gun,.... they will shoot to kill you,.... then cover up their crime.
On the other hand, if you are murdered, that IS considered dying by accident for life insurance claim purposes.
:P :wink: For all you Internet Psychos out there who may read this thread there will be a test tomorrow morning. :wink: :P
Posted: Thu Jan 08, 2009 11:05 am Post Subject:
Leave it to you to put a funny spin on things. I always thought suicide was never covered. Seems pretty wierd to put a time limit on something. Its not like the person is going to say "I will get a policy now so in two years (and one day) I can kill myself. "
Posted: Thu Jan 08, 2009 11:58 am Post Subject:
Suicide IS paid under a life insurance contract after the expiration of the suicide clause just like any other cause of death. Suicide is NOT considered dying by "accident" so no accidental death benefits would be paid.
Gary I wasn't disputing with the fact that suicides aren't paid the death benefits. I was actually surprised by your open suggestions to people to commit suicide after the exclusion period is over :)
Posted: Thu Jan 08, 2009 12:10 pm Post Subject:
Leave it to you to put a funny spin on things. I always thought suicide was never covered. Seems pretty wierd to put a time limit on something. Its not like the person is going to say "I will get a policy now so in two years (and one day) I can kill myself. "
That is the point Fiery...since no one (apparently) can't plan ahead his/her suicide, its covered by the insurer. However, if someone commit a suicide shortly after getting the policy, the insurer can look at it as an arranged scam and can therefore decline the claim.
Posted: Fri Jan 09, 2009 04:25 am Post Subject: insurance
I do have to say, it's a bit ( REALLY ..a WHOLE lot) disturbing to read that a 'Life Insurance Agent' posts that's it's "ok" to commit suicide?!
Posted: Sat Jan 10, 2009 09:50 pm Post Subject:
I did not think it was ever covered under accidental death insurance. My father did this when I was like six, they did not pay life insurance but we did get veteran benefits after the death. He was a vietnam vet and he had a bad tour, couldn't handle life when he returned. Opted to take his life and be done with it.
Posted: Sun Jan 11, 2009 03:38 am Post Subject: insurance
In MY Life Insurance policy, Suicide is NOT covered under Accidental Death, because Suicide would be an 'self-inflicted' kind of thing.
Posted: Tue Jan 13, 2009 10:06 am Post Subject:
I do have to say, it's a bit ( REALLY ..a WHOLE lot) disturbing to read that a 'Life Insurance Agent' posts that's it's "ok" to commit suicide?!
None has suggested that its okay to commit suicide. It was just the natural touch of Gary :wink:
Suicide, however, is entitled to receive the life insurance benefits. Once the exclusion period is over suicide will be considered as a covered peril and therefore the beneficiary will receive the policy proceedings.
Hope this helps.
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