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Accident/Accidental Death policies generally aren't underwritten, but the carriers address adverse selection through exclusions. Example; all the ones that I've seen have exclusions for death in the course of committing a felony, intoxication, or under the influence of narcotics unless administered by a medical professional.By the way, I love this thread title, and it makes we wonder why the life insurance was sent to jail.
Her crime is something that could have a serious impact on her life expectancy, and I would doubt that she could even get an accidental policy, in that her risk of accidental death to use of a medication would seem greater than average.
Or maybe I'm ignorant again.
Can pilots, who would otherwise be rated, get accidental policies at standard rates?