LA HB1180

Limits suicide exclusion provisions in life insurance policies to a maximum of two years from the date of policy issuance

Requires insurers to state suicide exclusions in clear, conspicuous, and unambiguous language and provide written plain-language notice to policyholders at issuance

Prohibits insurers from denying life insurance benefits when the insured's suicide results from a diagnosed mental health condition

Places the burden of proof on insurers to demonstrate applicability of any suicide-related exclusion, with exclusions strictly construed in favor of coverage

Exempts accidental death and dismemberment policies and policies insuring minors; effective January 1, 2027