Does the rule of contra proferentem apply in this case?

The rule of contra proferentem is inapplicable in this case because there are not two competing reasonable interpretations. The clear language of the insurance policies excludes death caused by suicide, sane or insane. The district court applied the unambiguous language of the policies. When "an insurer has clearly limited its coverage, the limitation's plain language must be respected." Malcom v. Farmers New World Life Ins. Co., 4 Cal.App.4th 296, 301 (Cal.App. 4 Dist.1992) (citation omitted); Evans v. Safeco Life Ins. Co., 916 F.2d 1437, 1441 (9th Cir.1990).