Wrong. After 2 years all sources of death are covered by life insurance, including suicide. Within that 2 year window it can be challenged if you lied on your application, and suicide will NOT be covered. If it isn't in your policy specifically indicating that taking the vaccine is excluded, then it is included. So even in the 2 year window it WILL be covered.
Source: I have a license to sell insurance.
Interesting; I'm also sure certain companies, the big ones have different/more lenient conditions so it's a matter of who you ask
The life insurance industry is regulated fairly heavily in order to prevent bullshit, but I cannot say there aren't big companies who are more/less shady than others. It is all about what is in the contract. It is important to read EVERYTHING you sign.
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