Do life insurance rules that deny payment after suicide discriminate against those with mental health issues? If those rules didn't exist would suicide rate increase?
Is the discrimination worth it as a deterrent? Or is it just to save the instance companies $$$?
It's not a deterant against suicide, it's to stop suicidal people taking out life insurance to give their loved ones a pay off before they top themselves.
Insurance is a bet between Client and Insurer that the client will pay more in before the insurer has to pay out.