[themaninthedark]

I remember hearing somewhere that a number of the men involved in "speed and drunk" crashes are going through financial issues, life insurance doesn't pay out if you commit suicide but it does if you crash into a bridge at 100mph.

[kube-system]

Life insurance does typically pay out in case of suicide after a 1-2 year cliff. It's a health issue like any other.

I doubt those instances are conscious financial decisions. Suicide methods are highly correlated to the methods people have at their disposal... and cars are for many, the most dangerous item they have.

[runnerup]

Life insurance often does but sometimes has a 2 year waiting period before it does. AD&D is a separate policy on top of life insurance, often worth an equal amount, which does not pay out in cases of suicide.

So masking a suicide can double payments to the family. AD&D also does not pay out in deaths involving toxic substances or “reckless driving”.