I wish I knew, but getting any good verifiable info on this is hard.
I have found some reasons to believe that it should probably be fine, for example, Colorado statute, section 10-7-109, C.R.S. (2019), which provides:
"The suicide of a policyholder after the first policy year of any life insurance policy issued by any life insurance company doing business in this state shall not be a defense against the payment of a life insurance policy, whether said suicide was voluntary or involuntary, and whether said policyholder was sane or insane." (stumbled upon it
in this court case but also
here)
and in the notes of the section it states:
"The general assembly in enacting this section assumed that after one whole year had elapsed from the time the insured made application for the policy it should be conclusively presumed that he did not contemplate suicide when he made the application, and consequently that he did not contemplate defrauding the company by taking his own life."
As a note: in my mind, I generalized this to probably apply at the very least to all US states that have similar legislature about the suicide clause period, and possibly to the legal standing of this in western countries in general.
There is also
this recent paper that states that fraud (by suicide) seems to rarely happen (less than 0.5%) and could just be covered by slightly higher premiums for all insured, and points to
this 1977 article that proposed that (UK?) insurance companies should get rid of the suicide clause entirely.
Not that any of that is conclusive or anything. I will also try to get a policy soon to get first hand experience, so obv will be able to share more then.