It has come to my attention that there is apparently no functional life insurance mod for TS4 at present times, and while I was asked to look into a preexisting one, I’m not comfortable doing that considering the creator is still around, even if their mod hasn’t been updated in a long time.
So, I decided to make my own. Please read carefully, for claiming life insurance on any Sims that met an untimely (or timely?) demise may be simple, but several conditions will still need to be met.
Note that this now requires XML Injector.
Widowers Inc. Insurance Service
When a Sim dies, be it a relative or a spouse, your Sim will have the ability to claim life insurance for them. Note this only applies for deaths tagged as Loss in the family, so you can’t go around claiming life insurance for the neighbors who I am sure ate that pufferfish of yours entirely by accident. It is also individual, in the sense that for example, both your spouse and children could claim and receive a payout, though there is no guarantee it’ll be a good payout if you decide to try and cash in via your children. ;D
Anyway, you will need a Phone. You can’t call Widowers Inc. Insurance Service without reason, because they don’t own a phone. They just linger in the shadows and mysteriously slip in their contact details to your phone whenever there’s a loss in the family. While still suffering from the effects of that 2-day buff from your beloved Sim’s passing, you may apply for an insurance payout on the phone. This will give your Sim a buff that lasts 3 days, signaling their request is being processed.
Credit : baniduhaine