I just received information about a man whose father died of a massive heart attack. He was declared DOA upon arrival of the hospital. The father had no infectious disease. The life insurance refuses to pay because the physician/coroner put COVID on the death certificate, and many if not most insurances will not pay out for "pandemics". Of course the family is fighting this, but it may be worthwhile to check your life insurance policy to see if pandemics void payment.