At what point do you become worth more dead than alive?

This is a difficult question, because, if you don’t have one, you have to imagine that you have a family who you really care about, and would like to see situated well, should you die. I’m just wondering if anyone does have a point at which they would actually consider dying (making it look like an accident in a way that couldn’t be considered suicide so that your family could collect the insurance) so that their family could be very well provided for.

I’m sure a lot of people would say there is no amount of money that would be enough to make them willing to die. Let’s think of it another way, then. Under what circumstances would you be willing to die for someone else? Would you take a bullet for someone else? How important would they have to be? Would you die to protect your community or nation? Do you have to believe in the cause, or just believe in your superior officers?

Finally, if none of this works to make you consider this question, then imagine you are depressed, or feeling pretty worthless. Perhaps you are considering suicide anyway. How much money would make you willing to seal the deal?

Insurance companies have calculated the price of various limbs and parts and even life, when figuring out how to compensate families for the loss of a bread-winner who was working at the time of death. In California, it can be as much as $320,000. In Kansas it’s around $300,000. In Florida, the cap is $150,000.

Presumably these amounts are set so that no worker would have an incentive to deliberately have an accident in order to be worth more to their families dead than alive. Where do you think that line should be drawn?