this post was submitted on 17 Jul 2023
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The stupid part is that they're allowed to make exclusions to a "life" insurance policy -- the idea is that they pay out when you're no longer alive. If they take your premiums, they should have to pay out when you die -- the only exception should be if you're provably alive.
They shouldn't pay if you kill yourself. There's an obvious reason why.
Suicide is a risk in life as with any other ailment. Most plans wonโt 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?