What happens if a missing person is declared dead, life insurance is paid out, and years later, that person is found alive?

Would the family be required to return the money, even though they didn't actually defraud the insurance company, because they believed their loved one was dead? Does it depend on how much money was given, or what the money was used for? Like, if the money was only enough for the funeral and other final... show more Would the family be required to return the money, even though they didn't actually defraud the insurance company, because they believed their loved one was dead? Does it depend on how much money was given, or what the money was used for? Like, if the money was only enough for the funeral and other final expenses, and was used that way, would it still have to be returned?
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