In the note recovered by police, Smith apologized to authorities and said "NO FOUL PLAY WHATSOEVER"http://www.chicagotribune.com/news/local/politics/ct-peter-smith-death-met-0713-20170713-story.html …
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It's a consumer protection measure. Lifetime suicide exclusion is seen as unfair/abusive
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It's not like beneficiaries are likely to need the payout any less if the insured dies by suicide
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