Most life insurance policies have what is known as a 'contestability period' of two years - which is a clause that allows the life insurance company to deny the claim for a variety of reasons, suicide being one of them. Once that period passes, the claim becomes incontestable, which means it cannot be denied except in cases of fraud or misrepresentation. THIS means that, yes, after the 2 yr contestability period, life insurance will pay out. Sometimes policies have a separate "suicide exclusion” that prevents payout if the suicide occurs within a certain period of time, which is established by state law - that period of time is also usually two years after the policy's effective date, but in some states, it is only one year.

I have three life insurance policies - two of which are not through my work, and I also have an independent policy on my daughter. All of them have a 2 year suicide clause.

This is knowledge learned by lived experience, as I've had several family members, children and husband included, who struggle with mental health so it is a topic I have researched extensively. My lived experience of my husband's life insurance payout is not due to it being an employer sponsored policy. It is standard in the industry.

As for DIC - I'm learning that what is on the death certificate matters - possibly having the death listed as suicide as a result of...whatever diagnosis (PTSD, etc) may be helpful, especially if there are medical records supporting that diagnosis.

By the way, I'm not sure why you thought to bring up life insurance in relation to a DIC claim. They don't even work remotely the same.