NAIC adopted the two-year period as a model, so it's standard in most states. A lifelong suicide exclusion was considered unfair burden
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Replying to @arthur_affect
This is a matter of state law/regulation, not individual insurance companies. So it's most/all life policies, not "some"
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Replying to @arthur_affect
Insurance law is a tangled mass of spaghetti code, so sure don't take anything for granted w/o reading an insurance contract
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Replying to @arthur_affect
But in any case, yes, it does make perfect sense for a suicidal person to want to take their life before their current insurance expires
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Replying to @arthur_affect
The suicide exclusion targets ppl buying new insurance who might be suicidal, it resets when you get a new policy
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Replying to @arthur_affect
The mention of life insurance is not evidence that the guy was murdered, please don't spread conspiracy theories
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Replying to @arthur_affect
SOURCE: I used to work in insurance compliance, and am looking at my own insurance policy online right now
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Replying to @arthur_affect
Obviously there are cases where suicide turns out to be faked and actually a homicide. Obviously there should be police investigation here
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Replying to @arthur_affect
But a lot of what I see flying around is kinda gross and presumptuous
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Replying to @arthur_affect
"Would a suicidal person leave 'NO FOUL PLAY' as a message in their note?" If there was reason to suspect foul play, then yeah maybe
1 reply 3 retweets 18 likes
Bc investigation of potential foul play might cause unnecessary uncertainty and trauma for the family
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