At least that's what I deduce from my Austrian sorta-life-insurance policy: that tome of hideous fine print states explicitely that suicide is covered. However, if you accidentally die while doing just about anything fun, then they pay a lot less. ("extended residence in unfavorable climate zones" is also only partially covered...hey, that's why I don't live in Vienna anymore!)

With insurance companies not being known for altruism and benevolence, it must make commercial sense to penalize the clumsy buggers instead of the suicide candidates.

But somehow I can't reconcile that notion with the official statistics...