Yeah but what about life insurance? It's not the deceased who gets the payout, it's their survivors. It's a real grey area ethically, as you can think of it as the survivors taking a bet on whether a family member will die soon, and profiting off of winning that bet. You could argue that the dead person approved and paid for it, but that's not always clearly the case.

Some whole-life policies carry cash value and are an investment vehicle as well, so you can potentially make money on them surviving as well. This seems ethically-better, but most life insurance is term life that doesn't have this investment upside.