this post was submitted on 17 Jul 2023
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The stupid part is that they're allowed to make exclusions to a "life" insurance policy -- the idea is that they pay out when you're no longer alive. If they take your premiums, they should have to pay out when you die -- the only exception should be if you're provably alive.
They shouldn't pay if you kill yourself. There's an obvious reason why.
Suicide is a symptom of mental illness in the absence of an obvious physical ailment like cancer, ALS, etc. We shouldn't stigmatize mental illness further by drawing arbitrary lines when the result is the same.
We shouldn't incentivize it with a payout.