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Generally, life insurance is going to pay off in the case of suicide anyway, if you've had the policy long enough (which is usually two years, but read the fine print),after which the policy is "inconstestable". After that, suicide is just part of the statistics, and is built into the mortality tables. The period may be determined by state law, or just be up to the insurance company. I had one group policy through work, where the period was one year - long since passed.

The theory is that nobody who's thinking about suicide is going to take out additional life insurance and then wait around for two years.

And in the case of a terminally ill person, the insurance company would have had to pay off soon, anyway.


Thanks. Looks like all we need to do is change our underlying culture and we can start being civilized.
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