Fucking insurance companies piss me off! Take your money easily but fight the family tooth and nail to pay you what you deserve. Reject a lot. I don't know what it's like in America for suicide benefit but I can't imagine it's good.
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They are bastards indeed. There was a big scandal over here with critical illness cover when it was found out that a lot of the companies were disqualifying people for the tiniest reason. Bastards!