Here's a scenario I've always been curious about. One day, a person decides to just walk away. Not fake their own death, per se, but just says that they're going hiking and disappears.

Years go by, the family genuinely thinks the person is dead, they collect life insurance money and spend it on various things, as you do.

Years later, the person shows back up alive. The family didn't do anything wrong, they genuinely thought the person was dead. The "missing" person didn't really break any laws, just ran away from their family for a few years.

Can the insurance company try to recoup the money from anyone? If so, who and how does that work?