Under New Jersey law, what is the maximum duration of the suicide exclusion period in a life insurance policy?

Why this is the answer

New Jersey's standards for individual life policy forms (N.J.A.C. 11:4-41.3) treat the suicide exclusion as a two-year period that, like the two-year incontestability period, runs from the earliest of the date of issue, the policy date or any other effective date. Insurer liability within the exclusion period is generally limited to a refund of premiums paid.