I don't think that there is a way for me to articulate an intelligent response, but I'll try.
Suicide is the taking of one's own life, if have bought life insurance for yourself, then in the event of your death they will go to whoever you specified in the policy. Seeing as how you will be dead, there is no manner in which you can collect the money you made by killing yourself...
Euthanasia usually involves removing life support or giving a lethal dose of some medication to (usually) someone who is terminally ill, if that would be you, then of course you will still be unable to collect the money seeing as you're dead.
I don't even know what you're trying to say in your last post.