Million Dollar Idea: Death Panel Insurance

So, here's my latest million dollar idea. Death panel insurance. For $100, if you are condemned by one of President's Obama's death panels, we will pay your next of kin $1,000,000. The $1000 policy assures you a one-way ticket to the non-socialist country of your choice (or Alaska), new identification documents when you arrive, a fire arm of your choosing, a hardback edition of Atlas Shrugged, and $1,000,000 of start up funds for the capitalist free-market venture of your dreams.

My only worry is that the government will introduce a public option for death panel insurance and even though they are too incompetent to do it well and as a free market entrepreneur I am necessarily more efficient and effective, they will drive me out of business.