Death & Simoleans

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rwills:
In all my game play, have not yet had a Sim die, but one is now 84 in Sim age, so obviously will be shuffling off soon.

I presume any items in that Sim's backpack (other than deeds) will vanish at death. Correct?

Mostly curious as to whether the apres-death insurance payout amounts are in any way calculated relative to the gross value of items in the backpack at time of death.

ancienthighway:
Any items inventoried are lost.
The "insurance" is a fixed max depending on relationship.  Spouse gets 20k, children get 10k, and friends get 500 or maybe 1k.  But those numbers are based on near max STR/LTR.  As relationship starts to drop, payout drops also.

Chaavik:
And if you don't want your Sim doling out "insurance money" upon his or her death, you can always try a mod to prevent the families and friends from getting free money.

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