True. It's not something I'd want to leave to chance though-- it's someone else's money. When my ex's mother died of natural causes, her life insurance refuse

True. It's not something I'd want to leave to chance though-- it's someone else's money. When my ex's mother died of natural causes, her life insurance refused to pay out. She wasn't around to contest the matter. The choice became to write it off or fight a costly legal battle and recover a fraction of it.