CronoDAS comments on Really Extreme Altruism - Less Wrong
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Under U.S. law, after two years, life insurance policies can't be revoked for any reason except non-payment of premiums. If they don't cancel the policy in those two years, they have to pay out regardless of how big a liar you were.
And if they kill themselves anyway, after the two years are over, at least they saved a lot of other lives. Do you know of a way to reach actual suicidal people?