Scored 8/10 on whether it helps or hurts everyday people.
The Suicide Exclusion Bill
Delaware cuts suicide exclusion period for life insurance
An Act To Amend Title 18 Of The Delaware Code Relating To Life Insurance Policy Exclusions And Restrictions Based On Death Resulting From Suicide.
Good for everyday people ·
If passed, insurers could deny suicide claims only after one year and must refund premiums if they refuse payment within that year.
Our take
What we think, in plain words.
This bill helps families get money when a loved one dies by suicide, and forces insurers to give back premiums, so people aren’t left with nothing.
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The facts
What the bill actually says, no spin.
- Current law lets insurers exclude suicide coverage for up to 2 years.
- Bill reduces exclusion window to 1 year for policies issued after the act.
- Insurers must refund all premiums if they deny a suicide claim within that 1‑year period.
- The change applies to policies issued after the act takes effect.
- The act becomes effective six months after enactment.
How they voted
The actual floor vote, and who broke from their own party.
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In the news
Scanning the news for this bill…
Headlines gathered from across the news, starting points to explore, not endorsements. Always read the official text before acting.
Sources
Read it yourself: the official bill and records.
This bill is in the Delaware Bill Book 2026
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