If a man commits suicide 30 months after purchasing a life insurance policy, what amount will his wife receive?

In the context of life insurance policies, if an insured individual commits suicide after a specified period following the purchase of the policy, the insurance coverage typically pays out the full face amount of the policy. Most life insurance contracts have a suicide clause that stipulates that if the insured takes their own life within a certain timeframe—often two years from the purchase of the policy—the insurer may not pay the death benefit. However, since the man in this scenario committed suicide 30 months after obtaining the policy, he is outside the common two-year contestability period that many policies enforce for suicide.

As a result, the wife's claim would be valid and she would receive the full face amount of the life insurance policy. This ensures that the beneficiaries are protected after a reasonable period, reflecting the insurer's commitment to honoring the policy terms once the contestability period has passed. Thus, the appropriate compensation upon the man's untimely death would be the face amount of the policy, which serves as a financial safety net for the designated beneficiaries.