The suicide clauses in life insurance policies usually relate to how long you have had the policy. For instance, a policy might not pay out the death benefit if the cause of death was suicide during the first year of the policy. Life insurance companies do not want you to take out a policy and then promptly kill yourself because then they lose a lot of money. So they usually add some sort of clause putting a time frame around how long the policy must be in force before they would pay out in the case of suicide.

This really has nothing to do with where a person lives. Each life insurance company will have its own restrictions on their policies concerning suicide and that restriction should be written somewhere in the policy that is issued and given to the insured person.

That being said, I certainly hope you are not considering suicide and would strongly encourage anyone with despondent thoughts to seek help. Things will get better. Suicide is not the answer and only hurts those who love you. There is medical help and counseling available that can get you through a rough time in your life.