Your servants steal
Your wife's untrue
Your children plot to murder you.

Happy Birthday.
Happy Birthday.

:)

But, anyway, yes. You see, if someone dies of strange causes, the spouse may be a suspect. And, it is easy to find out if the spouse gets a big insurance payoff.

Now, if the company I work for is carrying a policy, will anyone know?

And it doesn't have to be outright murder. Simply being sufficiently negligent should, statistically, result in a profit.

And if it doesn't, well, they've already saved money by being negligent.

Mo' Money!
Mo' Money!
Mo' Money!

So, the key is to remove any profit from my death. Therefore, if I haven't taken out a policy and named them as recipient OR I don't owe them money and insurance is part of the contract THEN they should not be allowed to profit from my death.