Some baby boomers are burning through their retirement savings to pay for cancer treatments. Then they have to go back to work.

In the sense that insurance companies often do anything they can to weasel out of a payment, I agree with you completely.

Many have provisions for that cause of death not qualifying that expire after two years, and sometimes they have a provision to pay a reduced amount or a clause where if you change the policy the two years resets.

I have a sibling that works in a relevant area of law to this, so I haven't researched it extensively I just take them at their word because they have worked on cases where this is relevant (people who are terminal ending their own lives medically).

Hypothetically speaking, what if you're killed by a cop?