Eliezer_Yudkowsky comments on Really Extreme Altruism - Less Wrong
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Or, if the behavior became common, insurance companies could simply decline to cover suicide. The problems would arise if, say, a car accident were accused of being a covert suicide (but wouldn't we have this same problem before the 2-year limit?) Perhaps that's why insurance companies cover suicides - for peace of mind, so that you know they won't accuse your corpse of having done it on purpose.