Well as all insurance companies do, when it comes for them to repay you (or in this case those you asked to be paid when you die), if the amount is big they’ll

Well as all insurance companies do, when it comes for them to repay you (or in this case those you asked to be paid when you die), if the amount is big they’ll try to verify that you haven’t cheated. That’s where it will be hard for your loved ones to find out that they’ll finally get nothing. This big brother stuff is outrageous by the way.