Um, I have no sympathy for not being able to cash in on a million dollar insurance policy even if your husband died WHEN:
1)You KNEW your husband was a pilot, which is a somewhat risky endeavor.
2)You KNEW, or SHOULD HAVE KNOWN, that your $1 million dollar insurance policy specifically states that it does NOT cover aviation accidents when the deceased is the pilot.
For all I know, the lady may not even be thinking about trying to claim the insurance money, knowing full well that she will most likely be rejected.
I'm sorry her husband died, but sorry, no sympathies on not being able to claim the insurance money. She should have known the fine print and got supplemental policy or nagged him to not pilot anymore.
The article may be assuming, but it lists the other person in the plane with him as the flight instructor, not the pilot or another term that would seem to connote that Lidle was being flown somewhere by someone else a la a chauffeur in a car. I really think it would be hard to argue that even if not at the controls the minute the plane crashed into the building, he certainly set out to get some flight time with himself at the controls. I think it is somewhat akin to going out for driver training in a car that has two duplicate sets of controls (pedals, steering wheels, etc). Sure you can argue that perhaps at some arbitrary moment the instructor may have taken over the controls to try to correct some egregiously dangerous situation or show the student how to do something, but the whole point of being in the vehicle as such is for the student to be learning and controlling.
I think this is a similar situation to having your new $50 million dollar pro sports contract voided because you went out and crashed your sportbike the day after signing the deal and suffered career-ending injuries. You or your agent/lawyers should have known that the contract has a clause stating motorcycle use is prohibited. That you went out and rode one anyway makes me have no sympathy for the loss of money, not the fact that had you been financially responsible, you as a pro athlete had probably made some decent money before and should be able to live the rest of your life like any non-athlete Joe Schmo even without getting another job.