Depends https://www.forbes.com/advisor/life-insurance/coverage-for-suicide/

Suicide is not generally covered in the first two years of a life insurance policy but it is covered after that. This two-year period is known as a suicide clause. If a suicide happens more than two years after getting a life insurance policy, the life insurance policy will pay out death benefit to the policy beneficiaries.

twas an accident not suicide

It actually is though, at least after a set amount of time, usually 2 years. I do wonder how often that kind of system might have actually saved lives.

IE in my case I don't think I even followed through with getting insurance, but after my fiance of 14 years dropped me with no warning. I actually came pretty darn close, and I actually came pretty close to getting a life insurance policy and just gritting through the 2 years to leave my son and... even the ex with something.

Again I didn't get the policy, but quite simply that possibility gave me something to push forward for a couple of years, after which a whole lot changed, my mental attitude improved massively, I got a much better girlfriend, I got a house, my son moved in with me. I would say even the possible thought of the life insurance, probably helped give me a "well I only need to push through long enough to get the insurance and run out the clock".

Also though further detail within this comic, something like this concept would be harder to rule as a suicide, using an existing medical condition.

Not suicide, just an unfortunate accident