State RegulationsCO specificDifficulty 3/5
A Boulder woman owns a life policy that includes an accidental death benefit provision. Under C.R.S. § 10-7-109, the rule that suicide after the first policy year is not a defense does NOT apply to which of the following?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
C.R.S. § 10-7-109 excludes accident-only policies and accidental-death benefit provisions from its scope, so their own contractual terms govern deaths by suicide. Ordinary life coverage — whole life, term, and universal life — remains subject to the rule that suicide after the first policy year is not a defense against payment.
Why the other options are wrong
- A) Whole life policies are squarely within the statute's scope; suicide after the first policy year is not a defense against them.
- C) Term policies are within the statute's scope; the accidental-death carve-out does not reach them.
- D) Universal life policies are within the statute's scope; only accident-only coverage and accidental-death provisions are excluded.
Memory hook
10-7-109 shields ordinary life — accidental-death deals play by their own rules.