The suicide or not question is pretty important. Life insurance generally won't pay for suicide. He'll have to have been very subtle if the insurance companies demand an autopsy. This would be how he could repay his kids and wife for what they spent on his legal fees.
OTOH, he was a prime candidate for heart attack, and those do generate life insurance payments. I would not be surprised to discover life insurance was paid for covering him the rest of his life by Enron as a single premium policy 10 yrs ago.
Lay has millions stashed away. His family wouldn't need any life insurance payments...
Suicide clauses in insurance policies usually provide that if the insured commits suicide within a certain period after the policy is purchased, usually two years, the policy won't pay off. Lay probably purchased a whole-life policy years ago so I imagine the policy will pay even if it was suicide.
Generally speaking, there is a two year waiting period for suicides. If the policy was in effect for longer than that, they will pay off.
The suicide or not question is pretty important to his family because there's no more painful way to lose a loved one than suicide.
My prayers are with his family and friends.