Sorry what’s the inheritance logic here? Are you talking about life insurance or something? Otherwise, and again presuming the cure doesn’t work which seems absent from your assessment as a possibility, how would it affect someone’s inheritance?

My general understanding is life insurance almost never actually pays out, and if it does it’s after a long fight and for less than you signed up for, and in any case should typically not be the largest portion of your inheritance.

That all aside, taking a risky but possible option that may mean survival, as a conscious and informed decision, even if aware it may void a possibility of a life insurance payout, doesn’t seem like a decision we have more right to make than the person affected by it.

Term life insurance really isn't expensive, and it's meant to take care of those you leave behind in an unfortunate event. Pay off some big bills so your partner isn't grieving AND homeless. Most of the people on this site are pretty well-off, and can/should afford an expense like this.

If you've got a 95% chance of death, take the pain pills and enjoy your final days. Don't bankrupt yourself and spend more time miserable, dying anyways.

Life insurance has a small 2-5% denial rate and most of those are lying big on the application. What are you talking about.