How do life insurance companies handle cases where the insured commits suicide within the contract’s stated contestable period?

How do life insurance companies handle cases where the insured commits suicide within the contract’s stated contestable period?

Under the suicide clause, the life insurance company won’t pay the death benefit and will return premiums if the insured commits suicide within the first two years of the policy. After two years, the policy will pay out even if the cause of death is suicide. Aug 1, 2021