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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This is a whole thing in insurance law, it was deemed cruel to withhold payments to bereaved families in cases of suicide and they decided the two year time limit was enough to prevent the "moral hazard" of insurance encouraging suicide
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Replying to @Lexialex @JoelFarran
Well, it remains the case that the people most at risk for suicide are the poorest and the least likely to have insurance
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Also, if you have risk factors it's harder to get insurance at all.
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Yeah a depression diagnosis can get you shut out in the first stage of underwriting
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