1. The insurer shall not be bound to pay the insurance amount if the insured commits suicide. However, the insurer shall return to the beneficiary an amount equal to the value of the insurance reserve, unless the beneficiary proves that the suicide was not intended to result in the payment of the insurance amount, in which case the beneficiary shall be entitled to the premiums paid, less any amount deductible for expenses. 2. If the suicide was not committed of free will or conscious choice, or for any reason leading to a loss of will, the insurer is obligated to pay the full agreed insurance amount, and the beneficiary shall prove that the person whose life was insured was deprived of free will at the time of suicide.
Interpretation and application must be checked against the official text and current version.