Some people believe that life insurance companies do not pay beneficiaries in case the insured person commits suicide. However, there is a clause in most life insurance policies that does not involve payout if the policyholder commits suicide within the first two years of the policy term. If death occurs after this period, the beneficiary receives benefits.
Exception is the case when the beneficiary drives the insured person to suicide. “Besides, if the insured suppresses that he has any mental illness, the payment will also be refused,” says Mark Williams, CEO of Brokers International.
Source: https://www.businessinsider.com/personal-finance/does-life-insurance-cover-suicide
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