So what would constitute "accidental" death?
Electrocution, scared to death and burning to death maybe.
It's possible to burn to death in a cooking fire on accident, but more often than not this is a homicide. How would you investigate this properly to determine whether it was an accident, or a homicide?
Would I ask you to make a hack to use it to cheat for money when I could just type in motherlode?
And finally, if the insurance policy were no longer an apparently government-funded benefit, would you actually have to then BUY a policy and pay the monthly premiums on it? If so, why would this even be useful?!?
Do you get a gigantic payout if you die of natural causes in real life? There is no government funded insurance to pay people where I come from if they die of natural causes. The country would be broke pretty fast that way.