Types of Death Benefit.
The death benefit options may vary depending upon the type of life insurance purchased and the available policy provisions.
A basic death benefit will provide a face amount...
usually yes, but you almost always have to go through underwriting again. so you still have to be in insurable health, and they can raise your premiums upon doing this if your health has deteriorated...
With regard to state taxes, it depends on the state in which you live. In some states, the death benefit from life insurance passes outside the estate and directly to the named beneficiary. So there...
you arrive at the scene (via moped naturally) and collect all of the fingerprints, if they match your database you claim the benefits and win the game.