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Eliezer_Yudkowsky comments on Really Extreme Altruism - Less Wrong
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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.
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.