What is the test for applying the "process of nature" rule to disability insurance?

The application of the "process of nature" rule to disability insurance arose because of problems peculiar to that kind of insurance. (See Frenzer v. Mutual Ben. H. & L. Assn. (1938) 27 Cal.App.2d 406, 413, 81 P.2d 197.) That experience provides no analogy for the life insurance field, with its enormous variety of benefits, coverages and premium rates. Other jurisdictions have agreed that a policy covering [119 Cal.App.3d 342] accidental death occurring within a limited period of time is a perfectly legitimate kind of insurance which does not require judicial augmentation. (See Annot. (1971) 39 A.L.R.3d 1311, 1313, 1320.)