Canada

I'm not sure if you are implying M. Jatzen killed himself through overdose or not.

Regardless, the issue in this case hase nothing to do with the mechanism of death. The two insurers where aware of the drug use and continued coverage.

"The Court of Appeal ruled that "the insurers properly denied coverage because Mr. Jantzen died as a result of committing the crime of possession of the cocaine that he consumed.""

Presumably this implies that insurance payouts are not required in any case where a claimant was committing a crime.

Die while jaywalking? No payout. Die while torrenting a movie? No payout. Die while turn right on Montréal Island? No payout. Spill blood on your cash when you die? That's defacing currency. No payout.

Suicide is a risk in life as with any other ailment. Most plans won’t pay out during the first couple of years, but do after that. So clearly the insurance companies themselves count it an acceptable risk for them. Maybe in that context you would care to elaborate?

Suicide is a symptom of mental illness in the absence of an obvious physical ailment like cancer, ALS, etc. We shouldn't stigmatize mental illness further by drawing arbitrary lines when the result is the same.