2-Year Wait

[liveordie123]

I have to do it, but the only catch is I have to wait 2 years. 2 long years for a clause in a contract, but at least my family will have lots of money left. I pray that I get to meet God at the end tho. The nice gentle hug and warmth I was promised I hope I get to meet. All this shit in life is horrible bad and terrible but I can wait just awhile longer just so I wasn't a complete waste. I hope they can use that money for great things. I'm leaving the money in the hands of my ex bestfriend/girlfriend. I hope she can live a happiest life she deserves with that money. just 5 dollars a day my family can have 1 million dollars out of it which is going to be a great relief my brothers can finish up college my sister can become an it girl at her school my mother can have the home she always dreamed of and i can pay back anyone I owe. 834 days is a longtime of waiting day in and day out but i think i can make it hopefully. i hate feeling so disposable to people but im trapped. no more days of feeling sad angry defeated im trying to make through each day the happiest i can. that's why i am going to use this forum to keep me on track.
so anyone who wants to talk so they wait isn't so excruciatingly painful it would be extremely helpful. i have to stay with my ex and she's not really in a talking mood about this stuff
so anyone who wants to talk so they wait isn't so excruciatingly painful it would be extremely helpful. i have to stay with my ex and she's not really in a talking mood about this stuff
so anyone who wants to talk so they wait isn't so excruciatingly painful it would be extremely helpful. i have to stay with my ex and she's not really in a talking mood about this stuff

 

[quietwoods]

I have to do it, but the only catch is I have to wait 2 years. 2 long years for a clause in a contract, but at least my family will have lots of money left. I pray that I get to meet God at the end tho. The nice gentle hug and warmth I was promised I hope I get to meet. All this shit in life is horrible bad and terrible but I can wait just awhile longer just so I wasn't a complete waste. I hope they can use that money for great things. I'm leaving the money in the hands of my ex bestfriend/girlfriend. I hope she can live a happiest life she deserves with that money. just 5 dollars a day my family can have 1 million dollars out of it which is going to be a great relief my brothers can finish up college my sister can become an it girl at her school my mother can have the home she always dreamed of and i can pay back anyone I owe. 834 days is a longtime of waiting day in and day out but i think i can make it hopefully. i hate feeling so disposable to people but im trapped. no more days of feeling sad angry defeated im trying to make through each day the happiest i can. that's why i am going to use this forum to keep me on track.
so anyone who wants to talk so they wait isn't so excruciatingly painful it would be extremely helpful. i have to stay with my ex and she's not really in a talking mood about this stuff
so anyone who wants to talk so they wait isn't so excruciatingly painful it would be extremely helpful. i have to stay with my ex and she's not really in a talking mood about this stuff
so anyone who wants to talk so they wait isn't so excruciatingly painful it would be extremely helpful. i have to stay with my ex and she's not really in a talking mood about this stuff

Sounds like you have a two year wait for a life insurance policy. I almost did this myself a few weeks ago, and did a deep dive into research. I would urge caution and rethink this plan of action.

While yes, if you make it past the two year mark, the policy can pay out for suicide.

Emphasis on 'can'.

There's still a multitude of ways they can refuse to pay out, and they will likely fight tooth and nail to not pay for a large policy of $1,000,000, unlike a smaller policy of <$50,000, and especially if you CTB shortly after the two year cutoff.

Things that can go wrong:
- If in any way they discover you premeditated this attempt with the purpose of waiting 2 years to kill yourself to get the payout for your family, they can claim insurance fraud and refuse to pay.
- You didn't fully disclose all health issues you've had, including mental health issues. Make sure everything is documented. If you've seen a doctor or other health professional for it, make sure it is mentioned when applying for the claim. If it's a chronic issue and you haven't seen any professional, still document it. If not, they can claim you lied during application and refuse to pay out.
- Your options are basically limited to hanging, a legally-owned firearm, jumping, or laying down in front of a train/truck/etc.
- Why? They can deny the payout if you were doing anything illegal or questionably legal at the time of your death which includes pretty much every drug or substance used to CTB. Even if you have a prescription they can argue you didn't follow directions and abused the drug. A firearm may even be dicey as they can argue you endangered other people's lives.

Are they guaranteed to do this? No. But it's a major risk and they will likely ask for extensive documentation of your health, police reports, an autopsy, and anything else to try to refuse to pay out.

What they are expecting to pay out for are people abruptly committing suicide via the fairly easy to access but more brutal methods, not people carefully premeditating their deaths with questionably legal substances.

Nitrogen is the only truly undetectable peaceful death, but this will require someone to remove the canister and other equipment afterwards.

Then there's also the secondary aspect that it sounds like you want this money to go to a bunch of different people but are leaving it in the hands of a single person. Even if you trust this person, realize a large amount of money like this will change people. You ex girlfriend will be under no obligation to pay this money out to your sister or mother, as your ex will be the designated beneficiary and nothing, not even your will will be able to tell her what she is able to do with that money.

You could potentially be setting up a very problematic situation.

 

[liveordie123]

Sounds like you have a two year wait for a life insurance policy. I almost did this myself a few weeks ago, and did a deep dive into research. I would urge caution and rethink this plan of action.

While yes, if you make it past the two year mark, the policy can pay out for suicide.

Emphasis on 'can'.

There's still a multitude of ways they can refuse to pay out, and they will likely fight tooth and nail to not pay for a large policy of $1,000,000, unlike a smaller policy of <$50,000, and especially if you CTB shortly after the two year cutoff.

Things that can go wrong:
- If in any way they discover you premeditated this attempt with the purpose of waiting 2 years to kill yourself to get the payout for your family, they can claim insurance fraud and refuse to pay.
- You didn't fully disclose all health issues you've had, including mental health issues. Make sure everything is documented. If you've seen a doctor or other health professional for it, make sure it is mentioned when applying for the claim. If it's a chronic issue and you haven't seen any professional, still document it. If not, they can claim you lied during application and refuse to pay out.
- Your options are basically limited to hanging, a legally-owned firearm, jumping, or laying down in front of a train/truck/etc.
- Why? They can deny the payout if you were doing anything illegal or questionably legal at the time of your death which includes pretty much every drug or substance used to CTB. Even if you have a prescription they can argue you didn't follow directions and abused the drug. A firearm may even be dicey as they can argue you endangered other people's lives.

Are they guaranteed to do this? No. But it's a major risk and they will likely ask for extensive documentation of your health, police reports, an autopsy, and anything else to try to refuse to pay out.

What they are expecting to pay out for are people abruptly committing suicide via the fairly easy to access but more brutal methods, not people carefully premeditating their deaths with questionably legal substances.

Nitrogen is the only truly undetectable peaceful death, but this will require someone to remove the canister and other equipment afterwards.

Then there's also the secondary aspect that it sounds like you want this money to go to a bunch of different people but are leaving it in the hands of a single person. Even if you trust this person, realize a large amount of money like this will change people. You ex girlfriend will be under no obligation to pay this money out to your sister or mother, as your ex will be the designated beneficiary and nothing, not even your will will be able to tell her what she is able to do with that money.

You could potentially be setting up a very problematic situation.

Thank you so much for this response. I did not know all that information. Yeah I was already planning to use a firearm. And even though majority of the money will be going to my ex I still have a lawyer that is creating a will for me to properly disperse the money the way I want. Should I wait a bit more after the 2 years?

Thank you so much for this response. I did not know all that information. Yeah I was already planning to use a firearm. And even though majority of the money will be going to my ex I still have a lawyer that is creating a will for me to properly disperse the money the way I want. Should I wait a bit more after the 2 years? Also with the nitrogen gas method if I had someone to remove the nitrogen cannister can I do it before the 2 years since its undetectable?

 

[quietwoods]

Thank you so much for this response. I did not know all that information. Yeah I was already planning to use a firearm. And even though majority of the money will be going to my ex I still have a lawyer that is creating a will for me to properly disperse the money the way I want. Should I wait a bit more after the 2 years?

1) Make sure you use the firearm in a place where there is no other people. I doubt they are going to use the 'endangerment' example I used above, but you never know. But do make sure the firearm is legally yours.

2) No real need to wait longer than the two years. I wouldn't do it the minute you hit two years, but one-two months is probably fine. Wouldn't worry too much about it, this is not something that will likely prevent a payout, just might raise a bit of suspicion by the claims adjuster.

3) Make sure you clean up anything that may suggest this is premeditated. Don't mention anything about it in your note if you are leaving one. Delete your Sasu account and clean your internet history. Delete any journals/diaries. Whatever. Nothing can be left behind suggesting this was your plan.

4) Sounds like the lawyer is making a trust. That sounds expensive. I would check and verify. That's the only real way to designate how life insurance money gets spent without designating multiple beneficiaries on the life insurance policy itself. The policy in that case would pay to the trust and then your ex would be the executor, following the trust's designated payouts.

A will cannot change the beneficiaries on a life insurance policy and cannot tell the beneficiaries what to do with their payout.

 

[liveordie123]

1) Make sure you use the firearm in a place where there is no other people. I doubt they are going to use the 'endangerment' example I used above, but you never know. But do make sure the firearm is legally yours.

2) No real need to wait longer than the two years. I wouldn't do it the minute you hit two years, but one-two months is probably fine. Wouldn't worry too much about it, this is not something that will likely prevent a payout, just might raise a bit of suspicion by the claims adjuster.

3) Make sure you clean up anything that may suggest this is premeditated. Don't mention anything about it in your note if you are leaving one. Delete your Sasu account and clean your internet history. Delete any journals/diaries. Whatever. Nothing can be left behind suggesting this was your plan.

4) Sounds like the lawyer is making a trust. That sounds expensive. I would check and verify. That's the only real way to designate how life insurance money gets spent without designating multiple beneficiaries on the life insurance policy itself. The policy in that case would pay to the trust and then your ex would be the executor, following the trust's designated payouts.

A will cannot change the beneficiaries on a life insurance policy and cannot tell the beneficiaries what to do with their payout.

Thank you for responding again. I wanted to talk more about the nitrogen method if I did have someone to remove the tank from the room. What else would I need to worry about and also can I do it within the contestability period?

 

[quietwoods]

Thank you for responding again. I wanted to talk more about the nitrogen method if I did have someone to remove the tank from the room. What else would I need to worry about and also can I do it within the contestability period?

Consult the PPH stickied in this forum and the inert gas megathread found under the suicide compilation also stickied.

Presumably it would be possible in the contestability period, as it would look like a natural death as nitrogen cannot be detected in autopsy.