In my state the first responder is correct. After two years there are no exclusions. You die, it pays. The suicide clause only covers the first two years. I think in some states they can still deny for fraud after two years. So if a person with terminal cancer said they were healthy and died in 25 months, it could be contested for fraud. But I believe the two-year suicide window is pretty much universal, or at least it was when I was in the property and casualty business years ago.
Usually life insurance policies have a "suicide clause" which states that they will not pay if the insured commits suicide within 2 years (or could be longer) of getting the policy. After that time period though, it should pay.
We had this problem with my uncle. The insurance company fought us for months but eventually we reached a settlement because he was heavily intoxicated and it got ruled accidental suicide, even though he shot himself. I'd say if the person hanged themselves or something along those lines then there will probably be no money paid out.