There are many things that can cause depression – but not all of us will be privy to the reasons of why the individuals we adore are going through them. Maybe they have experienced some horrible accident or trauma that will bear upon them for the rest of their lives. Or maybe they have been struggling with emotional problems.

People who suffer from clinical depression frequently have feelings of desolation and will not have the want to spend time with others or even eat. But what some of us do not recognise is that the depression can extend past this and affect them to such a point that they have the want to commit suicide.

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The suicide link to dental fillings has long been suspected. The chemical industries which have a large stake in mercury and dental fillings have long stated that a person does not digest enough mercury from their dental filings to cause mercury poisoning which would result in suicides.

This I totally agree with but I do know that the mercury dental fillings are still the cause of suicides. I have had a person experience with mercury fillings to prove this to myself.

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It’s not a pleasant subject, but we need to discuss the suicide clause found in most life insurance policies. It ties in with an insurance concept called adverse selection so let’s take a more in-depth look at how the suicide clause works in life insurance.

First, let’s look at the definition of a standard suicide clause found in most policies. Essentially, the clause states that if the insured passes away by committing suicide in the first two years of the policy, the life insurance company will not pay the benefit according to the policy. The two year window starts from the official effective date of the life policy. This is one more reason the effective date of your life insurance policy is important. You’ll notice that the other similar clause, the contestability clause also has a two year window as well.

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