Rishel quickly obliged. Walter Rishel is correct on this point. The insurance company did not want to make good on the claim immediately. Monty Bower's widow tells me Monty had to deal with the insurance adjuster's belief that it was no accident. The company thought it was a suicide.
State laws permit insurers to include policy restrictions for suicide, aviation and war.
A suicide restriction is included in nearly every ordinary life policy. An aviation exclusion seldom is found and the war clause is contained in policies issued during war or threat of war. Insurers, in the absence of this clause, would be subject to severe adverse selection. To learn the name of this individual, I checked the Bowers' obituary. The Rev. Willfred Bailey was to officiate at the services.