However, you have to have the life insurance policy "In Force" for 2 to 3 years (depending on your state regulations) before they'll pay out a claim resulting from suicide. This is because most suicidal people will either kill themselves or straighten themselves out within that time period.
Some states like Colorado have a one year period before they pay for a death by suicide. So, if you buy a life insurance policy and then end your life more than 1 year after buying the life insurance in Colorado, it may be covered.
The Suicide Clause is the limitation in all life insurance policies to the effect that no death payment will be made if an insured person commits suicide within the first two years that the life insurance policy is in force. The time requirement may vary by state based on the state's regulations.