[zo1]

>"I've looked into it and I'm pretty sure you need to have the policy for two years for them to pay out for suicide"

I was under the impression that most life-insurance policies don't pay out for suicide?

[a3n]

They do. It depends on the state how long they have to be in force. I think the idea is that a payout soon after starting the policy would encourage suicide (and payouts), but if you've had the policy for "long enough" you shouldn't be penalized for dying from a legitimate illness, which depression is.