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House limits life-insurance suicide exclusion to one year; supporters cite fairness for survivors
Summary
On April 23 the House passed HB 2-99 to cap life-insurance suicide exclusions at one year; proponents cited Department of Insurance support and survivor examples; some members raised underwriting and unintended incentives concerns during debate.
The Delaware House passed House Bill 2-99, which limits the period a life-insurance policy may exclude or restrict coverage for death by suicide to a maximum of one year.
Representative Morrison, sponsor of the bill, said the change aligns Delaware with several other states and was supported by the Department of Insurance and advocacy groups working on suicide prevention. He argued the shorter…
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