I was just interested if anyone knew how sims can die in Sims 3? I all ready know that they can die by drowning, by burning to death, of hunger and of old-age. But is there more causes of death in Sims 3 than that? Also is there a grimreaper in Sims 3?

I noticed that I couldn't create more than one playable family/household/sim to live in the same town. So is this just because of me, or is it something about the game? And if more than one sim-family/household can actually live in the same town, please tell me how to make that work.