A Georgia life insurance policy may exclude death by suicide for what maximum period from the policy's date of issue?

Why this is the answer

Under O.C.G.A. § 33-25-5, a Georgia life policy may exclude or restrict coverage for death by suicide, while sane or insane, only within two years from the date of issue. After the two-year window, suicide must be treated as any other covered cause of death and the full face amount is payable. If the exclusion applies, the statute still requires the insurer to pay at least the policy reserve, adjusted for any debt or dividend credit.