In this day and time, unlike 30 years ago or so, the person the policy is being taken out on, has to have a physical exam, albeit, it is not extensive, and usually done by a nurse at the insuree's resident. Only routine, blood work, and other basic things are done.
An example, my mom wanted to increase her policy after having it for 20 years, but because she hadn't seen her physician in over 2 years, and her tests submitted by a nurse showed she had a heart arrhythmia (not so sure the finding was accurate), they would not do it.
Now Florida, could be different. They do have some strange insurance laws there from what I can remember
I am only going by NC insurance laws as they were in 1999-2000 when I was a licensed agent. My mind is fuzzy on some of this stuff, as I found out I was not cut out for all the morbidity involved... It is a very depressing profession to me. (The life, long term care stuff that is)
There is so much speculation on this, that I hope one day we will know, but I doubt it.
You would think a company would not pay out since, according to Greer's court , she chose to kill herself.