Article 1904. Suicide

(1) If, within 2 years after the conclusion of the contract or its last amendment for the increase of the insured amount, the person at risk commits suicide, the insurer shall be discharged from its liability to pay the insurance money. If so, the insurer shall pay the surrender value and any profits in accordance with Article 1907.
(2) Para. (1) shall not apply if:
a) the person at risk, when committing suicide, acts in a mental state precluding the ability to freely determine his intent, or
b) it is proved beyond any reasonable doubt that, at the time of conclusion of the contract, the person at risk did not intend to commit suicide.