On most life ins. policies suicide is not an issue after 2 years. If you read the policy it may sayIt's a very personal choice between you and those who care about you. If I could be assured the life insurance would pay off and my family accepted it I would give them one last hug and tell them I would see them in heaven. Once I reached a certain point of no recovery and was just miserable I would spare them and myself from a slow certain death. I will pray for you and your family as you make this decision.
that after a period of 2 years it, a death, is 'incontestable'. I know it for fact from a family member's suicide. Payout was 9 days afterward.
No death can be contested after 2 years. Regardless. I think this is how term policies are written in Oklahoma.
EDIT; I have two different term policies and they both read 'incontestable' after 2 years.