I'm not sure I'm following. The DB on suicide during the suicide period is a refund of premiums - not even at interest - minus any loans. What companies do it differently?
While it's the same amount as a refund of premium, it's technically and legally a death benefit, the benefit is just specified as premiums paid.
This has a huge impact on legal implications regarding what an insurer can do if they choose to pay the death benefit under the suicide clause and then receive proof that death was not by suicide. This is why a lot of insurers will contest a death benefit when there is a suicide involved and try to refund premiums under a contest.
If instead they expeditiously pay the suicide death benefit amount and the beneficiary can prove that the death was not by suicide, than the insurer is legally obligated to pay the full death benefit.
This is why it's actually beneficial to the beneficiary to push back against a contest and try to ensure that suicide death benefit is paid.
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