This was inspired thanks to the unfairness of my ROS. It gave me three death ROS and this made me wonder about life insurance. Sims get life insurance payouts if they die from old age, but that's not how it is in real life. So since apparently the sim government gives elderly sims life insurance but not adult sims.
I used the current maxis method of life insurance payouts and modified it for adult sims. The maxis method depended on the elderly sim's aspiration level, since I just need a plain and simple life insurance policy, then I decided to use the middle level-gold.
Elder in Gold:
Spouse gets 10,000
Kids get 5,000
Grandchildren get 1,250
Friend w/Lifetime 75-100 get 500
Friend w/Lifetime 50-74 get 250
Since sims are paying for the life insurance via an increase in taxes, then I thought that the benefits wouldn't be as generous. Thus sims in my hood only get a modest life insurance package:
Spouse gets 10,000
Kids get 5,000
All sims that pay taxes, ie-all adults, have a modest life insurance policy until they reach their elder years and then the maxis life insurance kicks in.