Isn't life insurance fraud by suicide selling your life for a chance at money, usually much less than $2 million?
1. The person committing the suicide and thus the fraud would not be weighing his life against the money, he would be considering the well-being of his beneficiaries instead, and deciding that their well-being is worth more than his life.
2. He cannot reasonably control the payout of the life insurance. Anything beyond a certain mark (maybe 2 million $) would raise a lot of eyebrows in the insurance company.