However, it's important to note that the insurance company may investigate the circumstances of the accident and use any relevant information, including the lack of a valid license, to assess liability and determine coverage. If the insurance company finds that the deceased's actions contributed to the accident or death, they may deny or reduce the death benefit based on the policy terms.
Therefore, it's essential to carefully review the terms and conditions of your life insurance policy and seek legal advice if necessary to determine how driving without a motorcycle license may affect your coverage.