please i need a different answer i dont want to copy the answer that's was already answered. make it in your own words.

Chase Insurance Life & Annuity Company issued a one million dollar life insurance policy to Theresa Officer effective on February 11. Her husband, Dean Officer, was the beneficiary. Two years of premiums were paid, but one year, ten months, and twenty-four days after the policy became effective, Theresa committed suicide. Dean made a claim under the insurance policy and Chase sent him $540, the amount of the premiums that had been paid. The policy stated that Chase would limit the proceeds paid under the policy if the insured committed suicide within 2 years from the Date of Issue; and after 2 years from the Date of Issue, but within 2 years from the effective date of the last reinstatement of this policy. The limited amount was the premiums paid. Should the court limit Deans recovery to $540?