Surely , as one of the first steps towards reducing the suicide rate in Japan, insurance companies should stop incentivizing suicide.
As a quote I read yesterday illustrated: Be thankful for what you haven't, for it's less worry.
I get why you're saying this, but it bugs me when people tell those with an inclination to commit suicide to not do it.
It's not your life, and your judgments about its current and future value are meaningless. The person living the life, and that person alone, can meaningfully judge the value of continuing to be alive. It's arrogant and dickish to tell a person about the value that continuing to live has, even if well intentioned, and doubly so in the case of a person you (likely) do not know.