Life insurance often does but sometimes has a 2 year waiting period before it does. AD&D is a separate policy on top of life insurance, often worth an equal amo

Life insurance often does but sometimes has a 2 year waiting period before it does. AD&D is a separate policy on top of life insurance, often worth an equal amount, which does not pay out in cases of suicide. So masking a suicide can double payments to the family. AD&D also does not pay out in deaths involving toxic substances or “reckless driving”.