In a family policy, when will a death benefit NOT be paid out for K's wife, who is covered until age 65?

The death benefit in a family policy typically provides coverage for the spouse until a specified age, which in this case is age 65. Therefore, if K's wife dies at age 66, the insurance policy will not provide a death benefit because she has surpassed the maximum age limit for coverage.

The policy is designed to provide financial protection within certain parameters, including age restrictions. Coverage ceases at the age specified in the policy, and once that age is reached and exceeded, claims for benefits cannot be honored. Thus, any death occurring after the age limit, like at 66, falls outside of the policy’s provisions and will not result in a payout of the benefit.

It's important to understand that the other scenarios may either still fall within the age limit for the policy or involve circumstances under which benefits would still be payable, such as being under the coverage age at the time of death.