State RegulationsCO specificDifficulty 1/5
Under C.R.S. § 10-7-109, after what point is suicide NOT a defense to payment of a Colorado life insurance policy's proceeds?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
C.R.S. § 10-7-109 provides that suicide after the first policy year is not a defense against payment, whether the insured was sane or insane and whether the death was voluntary or involuntary. Colorado deliberately rejects the longer two-year style periods used in other frameworks; the statute's cutoff is the first policy year.
Why the other options are wrong
- A) Two years is the model-act style period Colorado does not use; under C.R.S. § 10-7-109 the cutoff is the first policy year.
- B) Six months has no basis in the statute; a claim in the first policy year is outside the rule's protection, but after the first year suicide is not a defense.
- D) 30 days is not a suicide-rule period under Colorado law; the statutory line is the first policy year.
Memory hook
In Colorado, one year and suicide can't stop the check.