"Her life sucks.."

Eh, my mom usually says stuff like that as a joke or out of exasperation. I doubt she truly meant it to hurt OP but if she did then yes, that's one bad mom.

My mum often tells me how she wish she didn't have me, how I ruined her life, etc. I just ignore her now because she'll say something different every time. I'm the youngest and I was planned so it's not like I was a surprise. It does kinda hurt though.

I'm sorry that she says those things to you. That is awful, especially coming from a mother, imo. Even if they truly felt that way - which is horrible enough - there are just some things that people need to keep to themselves.

could be wrong, but I don't think insurance pays if it was a suicide.

That's a common myth. Life insurance usually does cover suicide, but most have a time period of a few years. if you kill yourself within like 2 or 3 years it's void. if you've had the policy for a few years it usually extends to suicide.

Would it even make it better if it was a joke?

#24 Yes.. She wouldn't kill herself.

What does "OP" stand for?

Original poster

I'm an exceptional guy I'm not typically mean but sometimes I am. She was pissed off at someone and took her stress out on me, she apologized for it actually.

Or maybe op is not a good daughter / son