"Although vaccination is recognized as the cause of death by doctors and the insurance company, it has refused to pay out. The reason is because the side effects of the Corona jabs are known and published. They argue that the deceased took part in an experiment at his own risk. Covid-19 in itself is not classed as a “critical illness”. According to the company, an experimental vaccination resulting in death is like suicide" https://freewestmedia.com/2022/01/14/life-insurer-refuses-to-cover-vaccine-death/
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Seems a stretch for health insurance and, especially life insurance. Although they could pull the “act of war” clause out!