who gets the money when you all die? your employer does. dad pointed out that theoretically this would give them motivation to kill you. that would be for the same reason as michael moore points out in his new movie "capitalism a love story" that you can't buy fire insurance on the house of the guy who lives next door to you. golly gee, that's right, suddenly you'd have a motive to burn down his house. and the world is already too much like that symbolically to make it a little bit like that in reality. it's really unlikely that even the most evil corporation would think of killing you to get a payout from the e. coli insurance plan. it exists for much more mundane and passive reasons. you're going to die anyway, and the tax laws of this country is such that if your company has 100,000 employees, it can take out small, whole life policies on everybody and just let the ac aca accuarticle tables do the work for it. 10,000 bucks here. 20,000 there. maybe 50,000 back here and all