Will an insurance company pay if cause of death is gunshot wound and manner is undetermined after the 2 year constabulary period in a case that was clearly a suicide? 
Life insurance policies in most states with a few exceptions have a contestability clause on suicide . The method of suicide is irrelevant . Most contestability clauses are two years from the effective date . Yes , if the cause of death were to be ruled a suicide and the coverage has been in force of two years the death benefit most likely would be paid . If the gunshot wound were ruled by a coroner as accidental or homicide the contestability clause would not be effected and benefits would be paid in almost all cases . 