At 35, he was at the height of his career.
As a small business owner in the construction industry, his business was thriving before the MCO lockdowns. Banks were eager to provide loans and cash flow. He was confident—his career was growing, and his family’s future looked brighter than ever.
Then the pandemic struck.
Construction projects came to a halt, wages for foreign workers still needed to be paid, and material costs kept rising.
Cash flow dried up, and he felt a crushing weight of financial stress.
Between the pressure of his business, the worries of his family, and the feeling of helplessness, he made a devastating decision in a moment of despair.
When he left, his baby was only eight months old. His wife suddenly lost her greatest source of support.
But in the middle of heartbreak, a form of protection remained—
a life insurance policy worth RM800,000.
Because his policy had been active for more than a year, the insurance company honored the claim, even though it was suicide.
This payout provided financial security for his wife and child. While money could never replace the value of a life, it gave his family the dignity and stability they needed to move forward with hope.
Why Does Life Insurance Cover Suicide After 12 Months?
Insurance companies know that life is complex.
Most policies have a clause: if suicide happens within the first 12 months, the insurer will not pay. This is to prevent someone from buying insurance with the intention of ending their life.
But after 12 months, life insurance typically does cover suicide.
Why? Because no one buys a policy, then calmly waits a year just to carry out such an act.
A year is long enough for life to change:
- The love of family
- The support of friends
- The strength of faith
- Even a small turning point
These can be enough to reignite hope.
For this reason, if the policyholder survives past that first year, the insurance company assumes the purchase was truly made out of love and responsibility for their family. That’s why claims are honored, even in tragic circumstances.
A Message to Those Struggling: Hold On
If you or someone close to you is facing overwhelming stress and thoughts of ending life, please remember:
Darkness is temporary—it does not last forever.
Within a single year, so many things can happen.
A child’s laughter, a partner’s hand to hold, a call from a friend—small moments that can change everything.
So please, give yourself time.
Hold on, hold on, just hold on.
The storm will pass, and life is still worth protecting.
👉 If you want to learn more about how life insurance can protect your loved ones, explore our plans or talk to an advisor today.