I think, then, that the harm associated with this man's suicide would have to take into account the rise in premiums he would be forcing on people in similar situations. His death may increase the amount a similar man would have to pay, decreasing the likelihood that he could afford insurance and increasing the harm that man's death would cause his dependents. Over time, those effects could swamp any short-term benefit to the charity.
I think we can consider the harm associate with this man's suicide causing a rise in premiums to be relatively negligible, seeing as people have committed suicide while insured in the past, and it hasn't made prices so incredibly high as to stop insurance companies from being able to sell similar policies today.
In secret, an unemployed man with poor job prospects uses his savings to buy a large term life insurance policy, and designates a charity as the beneficiary. Two years after the policy is purchased, it will pay out in the event of suicide. The man waits the required two years, and then kills himself, much to the dismay of his surviving relatives. The charity receives the money and saves the lives of many people who would otherwise have died.
Are the actions of this man admirable or shameful?