When this happens, the death benefit may be paid out on the life insurance.
However, the insurance company will first review the cause of death to determine if it is covered by the life insurance, for instance, suicide may not be covered in the first 1-2 years you own the policy.
Also, if you lied on the application for life insurance about a health condition that caused your death, the life insurer may decline coverage, and not pay out a death claim.
That's why it is important to understand all exclusions in your life insurance policy before buying your plan, and answer all questions truthfully on your application for life insurance.