Speaking hypothetically there are ways to make suicide look like accident.
Wikipedia:
The real percentage of suicides among car accidents is not reliably known; studies by suicide researchers tell that "vehicular fatalities that are suicides vary from 1.6% to 5%".[150] Some suicides are misclassified as accidents, because suicide must be proven; "It is noteworthy that even when suicide is strongly suspected but a suicide note is not found, the case will be classified an 'accident.'"[151]
Actually there are many ways that are usually seen as accidents. Reading news of deaths that are almost always seen as accidents might help and news of cases that couldn't be classified (uncertainty whether they were suicides/accidents) For example going climbing, being too close to generator/boat engine etc.
If someone wanted their death to be seen as accident for emotional reasons then it's better not to take life insurance. When people have taken life insurance and die within a year their death is more likely seen as suicide than accident in unclear cases.
If someone wanted suicide to look like accident then getting other phone would be good and reset (put factory setting) and dumb far from home the one used in here (police can get deleted info from phone from last few months), no suicide note of course, no new life insurance, no unordinary behaviour and right method could help. I have read about cases that by news has been classified as suicide because factory settings were put in deceased persons only phone etc.
In Japan people should chooce right suicide method because life insurance covers suicide (meaning everyone knows it as suicide) by some ways and not by some others. For example suicide with help of train is not covered.
In overall there surely are many accidents that have been classified as suicide and suicides that has been classified as accidents since nobody can know what the person was thinking and feeling (nobody can know whether they got dizzy, migraine etc. that caused accident or was it on purpose) before something caused his death.
Migraines for example can cause big light balls in sight that make people totally blind fast. That has happened to me and others. Doctors and eyedoctors can't see whether person has migraine.
I want to take out life insurance to help my daughter when I'm gone, but the ones I'm looking at don't pay out for suicide within 12 months of starting the policy. I already have SN but was hoping to be gone ASAP. Is there anything that could make it look like an accident or natural? I don't think I can make it through the next 12 days let alone 12 months.
If it pays from suicide then I really recommend on staying alive for one year if you can handle it. But if insurance company can find out you had mental illness when taking insurance that you didn't tell them then they may not pay anything. Where I live insurance company didn't pay of life insurance that covers suicide because a person had complained about stress/anxiety (he didn't have diagnosed mental disease) to doctor years before taking the insurance and they said they didn't know that and wouldn't have given insurance if they knew it.
