Unfortunately you will hear suicidal individuals say the same thing.
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Replying to @Lexialex @JoelFarran
It does, actually, there's a two year suicide exclusion after you buy the policy (to keep people from just buying it for the purpose of killing themselves) but afterwards they legally have to pay out
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Replying to @arthur_affect @Lexialex
The laws are not necessarily consistent from state to state. Some states have more restrictive regs in place that provide insurance companies contestability options even after a certain period.
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Replying to @JoelFarran @Lexialex
I'm pretty sure all 50 states follow the model law about suicide exclusions, with the ones that deviate from it doing so to be more generous, not less (reducing it to one year or eliminating it entirely) (This used to be my job)
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Replying to @Lexialex @JoelFarran
Well it's the underwriter's job to keep you from taking out a policy at all whose face value actually is "more than you could ever earn", because it means you won't be able to afford the premiums long term and you'll get them in trouble for it
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Someone who makes $40k a year taking out a policy worth $2 million in and of itself is a red flag for insurance fraud and gets you investigated (Usually nothing as elaborate as faking your death to claim a payout, it's usually an insurance salesman trying to juice their numbers)
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