just remember 110 volts will kill quicker than 220 volts , it's due to the slower speed of the alternating currents which causes your muscles to contract within, locking your hand and heart into the frequency . A higher voltage and speed of it blows and forces your muscles away usually leaving a burnin .. and death .. yaknow even with my simpson meter I still use a quick tap of the back of my hand to feel any electricity .. just me .
The whole life policy issued to your dad should pay a reasonable amount but remember that Insurance Companies no longer have a Moral Compass ... meaning they could have in their state's insurance commission a way that allows for to minimize the interest incurred .. I hope not and hope you get blessed brother.