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Other unlawful acts

The general rule that a person should not benefit from their own criminal act also prevents a person who commits murder from benefiting under a life policy where that murder caused the life policy claim to occur. Prince of Wales Insurance Association Co v Palmer 1858. This however does not apply where the murderer was insane Batten’s Will Trusts 1961.

This rule also extends to manslaughter where death was the unintended result of a deliberate criminal act. In the case of Re K deceased the wife threatened her husband with a shot gun which then went off and killed him.

In the case of Hewitson v The Prudential Insurance Co Ltd 1985. Mrs and Mr Hewitson committed an armed robbery using fake guns. Mr Hewitson was shot and killed in the raid. Mrs Hewitson was named as insured on a life policy on Mr Hewitson and tried to claim. The claim failed because Mr Hewitson had been involved in criminal events which lead to his death as had Mrs Hewitson.