I'm a life actuary, and we've got an Actuarial Speculative Fiction Contest every so often -- I've been thinking of writing "Night of the Living Death Benefits"... about the disputes that arise when those insured die and become zombies, and the NAIC arguments over whether the insured can be considered dead if they're still up and walking around.

I'm sure it would end in new underwriting categories, and death certificates would require a proof of cremation.

What I'm saying is that Demon Roach shouldn't despair yet -- the regulators may be on his side.