Alwasy exceptions. I knew that was coming. No policy I have ever had carried such an exclusion and why should it?
My only involvement with the suicide clause was the case of a key employee involved in a single car accident driving to work very early in the morning that the insurer claimed was suicide. It was not and they did eventually pay to the survivors but not until some considerable effort had been expended by corporate security at the behest of the chairman. That was in the old days when big shots reached down to help out even when they didn’t have to.
Well you made the false claim that "Everybody that has a brain and pays attention knows life insurance will not pay for suicide."
Peter W Smith clearly had a brain. It sounds as if he was a man who planned his life well. It's plausible that he planned his death carefully too; ie that he very purposefully bought a life insurance policy that would, in fact, pay out upon his death, even if his death were to be ruled a suicide.
You need a better agent. My policy specifically stated they would pay on suicide after 2 years. Not that I want to collect. You might not like it but it is the truth.