The Japanese have universal health care, which means they are less likely to have life insurance. I am sure they can buy it, but I have no data on how many Japanese do this. They are great at saving money, and of course, if you have enough money saved, then you do not need life insurance, or at least are less likely to think you do.
The usual gun suicide lie is that the person shot himself while cleaning his gun, and the police would rather call it an accident. They have no reason to insist on it being recorded as a suicide if requested to do so by the family.