Even so, many life policies specifically exclude deaths in non-commercial or GA aircraft.
One hopes it is no way relevant to this thread, I'm merely correcting a falsehood having worked in the life insurance industry, the quoted statement is completely wrong.
What follows is valid in the UK and throughout Europe
Life insurance policies cover flying activities of all kinds through their special conditions, which appear to the customer (the insured) through extended questioning on said flying activity at the point of application and which will be legally recorded in the statement of particulars. All insurance providers differ in a marginal manner as to how they treat all manner of special conditions.
Generally, life insurance providers will not load for occasional flying activity (ie as an occasional passenger) but if they did for any reason, it would be clearly indicated in the life insurance cover documents.
Regular flying (ie as crew) will usually be covered following an analysis of the activity and with a subsequent premium loading.
Once on cover, and assuming nobody has told any fibs in the application, life insurance policies very, very, very rarely fail to pay out - the industry is massively regulated.
Sorry for the derail