But you also run the risks of getting caught arranging the untimely death of your spouse in order to obtain their google stock ect, with this comment thread as prosecutions Exhibit A.
My company gives all the employees 1.5 times salary as life insurance. So, same as half-salary for three years, except your beneficiaries get it all at once. With kids and a non-working wife, I bought an extra 4x salary. So, Google includes more life insurance than most companies. They also offer a better benefit to someone with more & younger children. With few older employees, this can be a good way for a company to appear to give a wonderful benefit that doesn't cost as much as a company with a cross section of employees that's more like the population. Also, I'll bet there are some deaths that are excluded (suicide?), and there's bound to be a waiting period between hiring on and when the benefit is in force..
http://www.forbes.com/sites/meghancasserly/2012/08/08/heres-what-happens-to-google-employees-when-they-die/#844308fa18b6
*flies away*