§33-6-24. Simultaneous deaths.
Where the individual insured or the annuitant and the
beneficiary designated in a life policy or policy insuring
against accidental death or in an annuity contract have died and
there is not sufficient evidence that they have died otherwise
than simultaneously, the proceeds of the policy or contract shall
be distributed as if the insured or annuitant had survived the
beneficiary, unless otherwise specifically provided in the policy