Originally Posted by The_Jazz

Unless he saw what was happening and ran underneath it on purpose, life insurance will pay. Life insurance always pays unless there's a REALLY good reason not to, and there's usually only one reason - fraud. If you off yourself to give your SO the life insurance, that's defrauding the company. Same if you fake your own death. Beyond that, the actuaries were just wrong and they have to pay out. If you ever compare a life insurance policy to a homeowners policy, you'll see that the life insurance contract is a whole lot shorter and has a whole lot few exclusions. If you die in an accident, no matter how strange or incredible it may be, they're paying off.