slapntickle
Member
- Oct 28, 2025
- 22
I'm just after some advice on how one might be able to 'escape' (so I mean find a valid reason not to CBT) once life insurance payouts for one's family are taken into account. I am thinking about suicide from the point of it being a huge sacrifice, but the gain for my family is insanely good. Like unbelievably good.
I only recently discovered that life insurance pays out for suicides (after a 'cooling off' period of 2 years in the US, and 1 year in Europe). One can generally leverage 20x their income for an 'accidental death' payout, meaning that someone even on a modest European salary (let's say 50,000e a year) can get paid out, tax-free, a million euros. However you spin it, for many people (myself very much included), that's a life changing sum of cash. I have a very young child, and if say a third is spent on real estate and the rest invested into index funds, by the time he's 18, he'll have a property that was free to live in and has now appreciated several times over, and a wedge of cash that can be used to do anything he wants. Whatever he wants to study can be covered; where ever he wants to go will be possible. I can only imagine the joy and the life that he can set up for himself. His mother will also be provided for just based off the interest alone and a modest job. My sibling will inherit all of my parents testament, and so will be much better off. In short, it's just an amazing start in life that ensures security and prosperity for (literally) generations to come (if they don't mess it up).
I am in the process of ordering SN, have set up a trust to receive the payout, and have started sketching out an exit plan (ie to send relatives final words, passwords, email accounts etc to make things easier). It's kind of a bit 'scary' to me now because I'm treating it just like a project, setting up short and long terms goals with to-do lists etc. I desperately don't want to do it - the thought of not seeing my son even when I'm dead really pains me - but I keep thinking that he (and many other people) would just do better without me, and with the cash, and that I'll be remembered probably as a mentally ill person but who loved his son so much that he actually died for him so he could have a better future. You know when people say they would die for their children? I actually did. It's not a bad legacy to leave behind.
I only recently discovered that life insurance pays out for suicides (after a 'cooling off' period of 2 years in the US, and 1 year in Europe). One can generally leverage 20x their income for an 'accidental death' payout, meaning that someone even on a modest European salary (let's say 50,000e a year) can get paid out, tax-free, a million euros. However you spin it, for many people (myself very much included), that's a life changing sum of cash. I have a very young child, and if say a third is spent on real estate and the rest invested into index funds, by the time he's 18, he'll have a property that was free to live in and has now appreciated several times over, and a wedge of cash that can be used to do anything he wants. Whatever he wants to study can be covered; where ever he wants to go will be possible. I can only imagine the joy and the life that he can set up for himself. His mother will also be provided for just based off the interest alone and a modest job. My sibling will inherit all of my parents testament, and so will be much better off. In short, it's just an amazing start in life that ensures security and prosperity for (literally) generations to come (if they don't mess it up).
I am in the process of ordering SN, have set up a trust to receive the payout, and have started sketching out an exit plan (ie to send relatives final words, passwords, email accounts etc to make things easier). It's kind of a bit 'scary' to me now because I'm treating it just like a project, setting up short and long terms goals with to-do lists etc. I desperately don't want to do it - the thought of not seeing my son even when I'm dead really pains me - but I keep thinking that he (and many other people) would just do better without me, and with the cash, and that I'll be remembered probably as a mentally ill person but who loved his son so much that he actually died for him so he could have a better future. You know when people say they would die for their children? I actually did. It's not a bad legacy to leave behind.
