主题：纽约警察神勇无匹，弹无虚发击毙歹徒 -- diamond

The suicide provision in life insurance policies protects the insurers against individuals using suicide as a defense to payment of life insurance benefits. Insurance policies usually stipulate a period of time during which the death benefit will not be paid if the insured commits suicide. If the insured commits suicide within 2 years following the policy effective date, the insurer's liability is limited to a refund of premium. If the insured commits suicide after the 2-year period, the policy will pay the death proceeds to the designated beneficiary the same as if the insured had died of natural causes.