Sorry, this position doesn't hold water.
Are you kidding? It's not life insurance or suicide.
I sat on a Nassau County civil jury in which the judge explained contributory negligence "can be from 0 to 100%".
I have no idea what you are referring to.
A life insurance policy is a contract, and unless its clearly stipulated the insured has a responsibility for any required behavior, the only requirement for a full benefit payment is proof of death, period, doesn't matter one iota how stupid the insured actions were.
And I'm drowning here.