About 20 years ago, a friend was commenting on suicides and told me that these people were stupid, because suicide denies your loved ones any insurance money. He then said that if it were him, he’d go into the garage, open the hood of his car and spread tools around; then, if he were found dead, they would just assume that he as working on the car and was careless. The family would get the insurance.
Only 10 days later, he was found dead in a manner exactly like he’d described. Talk about spooky. I didn’t see that one coming.
Some insurance policies do pay on suicide if you have held the policy for over two years.
Suicide is covered by life insurance unless it occurs within the contestibility period, which is 1 or 2 years - depending on the state.