I don’t think this qualifies as a belief; it’s just something I have noticed.
My dreams are always a collection of images (assembled into a narrative, naturally) of things I thought about precisely once the prior day. Anything I did not think about, or thought about more than a single time, is not included. I like to use this to my advantage to avoid nightmares, but I have also never had a sex dream. The fact that other people seem to have sex dreams is good evidence that my experience is rare or unique, but I have no explanation for it.
I think, then, that the harm associated with this man’s suicide would have to take into account the rise in premiums he would be forcing on people in similar situations. His death may increase the amount a similar man would have to pay, decreasing the likelihood that he could afford insurance and increasing the harm that man’s death would cause his dependents. Over time, those effects could swamp any short-term benefit to the charity.