Excellent points all and I can see the difference. My point was that police are of an occupation that is considered to be on duty 24/7, same as EMTs and firefighters. I do believe you all have pointed out that the spouse is trying to milk the system using a technicality and I concur. Bottom line is whether the intent of the insured was to obtain life insurance and took the necessary steps to do so but tragedy befell him prior to consumation. In this case it appears that the (soon to be) widow was the one trying to get the insurance since the trooper himself was unable to do so.
Yes,it could be argued that you're correct on this.And if that cop had died "off duty" while trying to stop an attempted kidnapping that just happened to occur in front of his house then I'd support the widow's position.But this guy was **really** off duty.The most dangerous thing in *his* world at the moment of his fall was the ground...not some homicidal punk who happened to live next door.