A. Term life insurance policies have what is known as a contestability period of two years. This two year period allows an insurance company to investigate a cause of death.
If the cause of death is a suicide, they will not pay. If they find an omission of health or lifestyle condition on the application and it contributed to the cause of death, they can decline the death claim. After two years, if all the information was true and complete and the cause of death is not specifically excluded, such as "act of war", then every cause of death should be paid.