Under Illinois's life insurance policy-form rules, the suicide exclusion period on a life insurance policy may not exceed how long from the date of issue?

Why this is the answer

Illinois's policy-form rule, 50 Ill. Adm. Code 1405.40(f), confines any suicide limitation to the policy's contestable period, which 215 ILCS 5/224(1)(c) caps at two years from the policy's date. During those first two years the insurer may deny the death benefit and refund premiums if death is by suicide; after the two-year period elapses, suicide is treated like any other covered cause of death and the full face amount is payable to the beneficiary.