In much (most? all?) of the United States, life insurance contracts generally cover suicide, except that individual policies will typically have 2-3 year exclus

In much (most? all?) of the United States, life insurance contracts generally cover suicide, except that individual policies will typically have 2-3 year exclusion period. My individual term life policy has a 2-year exclusion period, but otherwise covers suicide. I can't track down the precise reasons for this, whether its related to case law, state statutes, etc. Closest hit I found for California was Insurance Code § 11066(h), but that's for policies issued by fraternal societies. (It probably echoes some other statute or case law.) There are endless Google hits from law and insurance web sites stating this general fact.