That's why businesses can put key person insurance on employees.
Maybell,
You're a genius! You're the inventor of OM (or OW) life insurance.
Here's how it works: A husband finds out his wife is having an affair. He gathers all of the evidence (email, text messages, pictures and email). He then insures the OM to the gills; maybe $5 million. Then he tells the OM's wife about the affair and he gives her the evidence and the rendezvous location where they can be caught while doing naughty things. Cha-ching, instant millionaire.
There are a number of other potential scenarios as well. Regardless, OM/OW life insurance could open a new market niche for insurance.
