Or, if the behavior became common, insurance companies could simply decline to cover suicide. The problems would arise if, say, a car accident were accused of being a covert suicide (but wouldn’t we have this same problem before the 2-year limit?) Perhaps that’s why insurance companies cover suicides—for peace of mind, so that you know they won’t accuse your corpse of having done it on purpose.
Or, if the behavior became common, insurance companies could simply decline to cover suicide. The problems would arise if, say, a car accident were accused of being a covert suicide (but wouldn’t we have this same problem before the 2-year limit?) Perhaps that’s why insurance companies cover suicides—for peace of mind, so that you know they won’t accuse your corpse of having done it on purpose.