Under the Texas Insurance code, an insurance company must pay death benefits for suicide if the policy has been in force for...

• A. 6 months
• B. 1 year
• C. 2 years
• D. 3 years

Answer: (C)

Key concept: the suicide provision in a Texas life insurance policy and how the initial period after issue affects payout.

In Texas, if the insured dies by suicide within the first two years the policy is in force, the insurer typically does not pay the full death benefit (often only a refund of premiums or a limited amount). After the policy has been in force for two years, the suicide exclusion no longer applies, and the death benefit must be paid in full regardless of suicide. This two-year window protects the insurer during underwriting while ensuring beneficiaries receive the full payout once that period is past. So, death benefits for suicide are payable once the policy has been in force for two years (or more).