[AJ007]

1 in 10 chance isn't a freak accident, its called being reckless and I don't see anything to feel bad about.

[there]

i wonder if, assuming he had one, his life insurance policy will pay out or if this will be considered a reckless action on his part.

[dstein]

I think most insurance policies cover someone while in their own country. Outside of his country would be travelers insurance.