. You should be aware that in these circumstances any insurance would also be totally invalidated,
Actually NOT the case.
He is not using his name in this forum. From what he says he has a clean medical with no history.
This event he has kept secret stating that not even his family were aware of a problem.
Further he states that he is scared of going to an AME because then it does become record and his licence would be in jeopordy.
Should something awful happen no one would be the wiser so why would the insurance not pay out. Only he knows his secret and dead he would not be around to tell. Presuming he is Physically fit and this is a stress thing then nothing would show up on an autopsy either.
Pace