I share the Deputy's concern. I am happy that the action I have taken was the correct approach. There is no difficulty with policies taken out today as they will normally have a two-year exclusion clause. That is a sensible clause. Policies taken out 20 years or 30 years ago did not always have that clause; they had a clause which excluded suicide. I have asked the insurance companies to consider applying today's more humane approach to existing policies, whenever incepted. If they agree there is no question of legislation being required.
I am satisfied that in most cases insurance companies act sensibly and sensitively in this difficult area.