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If there was a valid, fully paid up life insurance policy in force for the person who died when he died, and if the circumstances of the death are within the coverage of the policy, then the insurer is required to pay the claim.

An example of circumstances outside a policy:

Many policies exclude coverage of death by suicide. If the person committed suicide, then a policy that excluded it would not be payable. If suicide is suspected under those conditions, the claim may not be paid while an investigation determines whether it was or was not suicide.

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Q: Do life insurers have to pay a claim?
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