In the sense that insurance companies often do anything they can to weasel out of a payment, I agree with you completely.

Many have provisions for that cause of death not qualifying that expire after two years, and sometimes they have a provision to pay a reduced amount or a clause where if you change the policy the two years resets.

I have a sibling that works in a relevant area of law to this, so I haven’t researched it extensively I just take them at their word because they have worked on cases where this is relevant (people who are terminal ending their own lives medically).