If a person has a terminal disease or illness and is attempting to get coverage in all likelihood they will be out of luck, if they lie or fail to disclose an illness on the application its cause for the company to terminate the coverage. If a person had a history of suicide attempts, again they would have a hard time getting coverage.
I seem to recall that in Japan suicide is an accepted form to get an insurance payout if the husband/father fails to provide for his family. Or at least that used to be the case. -- If you can't explain it simply, you don't understand it well enough. - Albert Einstein
They have a completely different culture toward suicide over there. I also don't think someone would be able to get a life insurance policy and then kill themselves the next day, even in Japan.
LOL indeed. If one looks up the Titanic sinking and the one and only Japanese survivor and what he had to live with, you will see where they come from. The entire country was practically calling for this guy to kill himself as the honourable thing to do.
A little twisted.. but hey.. look it up for yourselves.