Person is declared dead, life insurance pays out, person later discovered alive?

That article says nothing about her having had life insurance, nor have I heard anything about her having life insurance in any other source that I have seen/read about this situation.

Since there is such a formal process to get declared dead and get the life insurance paid out when there is no body. If it happens, I would guess that the insurance company just takes it as a loss (and the person is no longer insurable).

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RE :Person is declared dead, life insurance pays out, person later discovered alive?

In a case like the Brenda Heist story----Pennsylvania Mom goes missing, after appropriate number of years is declared dead so her husband finally collects her life insurance. Now, a couple years later Mrs. Heist surfaces in Florida (a hobo no less), husband, other family as well as authorities never knew she was still alive. Will her husband be required to pay the insurance company back or return any money that may still exist from the payout?

http://www.cbsnews.com/8301-201_162-5758... Just curious.

Update: Sorry---I had been reading a couple news stories & just happened to copy/paste that link. Here's one that mentions insurance (4th paragraph & last) but no company name: http://www.huffingtonpost.com/2013/05/01...

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It doesn't happen very often, but generally, no.