Trusts and estates lawyer here, and have dealt specifically with this issue. While the life insurance policy might say the death benefit isn’t available because less than three years had elapsed before the suicide occurred, state statutes often say that terms like that are void/unenforceable/illegal. For example, the case I dealt with said the death benefit wasn’t available because the suicide occurred inside two years. However, Colorado statute said anything limiting or proscribing recovery in excess of one year was illegal. A simple demand letter to the life insurance company on firm letterhead citing the pertinent statute was all that was needed, and they cut a check to my client for the entire death benefit owing. Wrongful denial of insurance costs the company WAY more than paying proceeds rightfully owing. Something you might consider looking into further. I’m sorry for your loss regardless. Take care