Yes, folk regularly clean loaded shotguns pointing at their face..... Hmm? Suicide clause in life insurance??
The only time I've looked down a barrel when cleaning a gun has been when I've checked it's empty and that my hands are absolutely nowhere near the trigger when looking down a barrel. You might forget one check but two?
I shot clay pigeon with a Beretta 303 restricted shot semi auto for many years and I would have to have had the arms of an Orangutan to push the trigger whilst looking down the barrel. Andy
There are no accidents with firearms, only negligence and I'd be very surprised if any life insurance policy covered death resulting from the misuse of a firearm. Murdered by a third person with a gun they brought with them, maybe. But killing yourself through gross negligence with your own firearm, not a chance.
That would be nearly impossible to do by accident and very difficult to do on purpose - what ever gun was being cleaned - the minimum legal barrel length is 23” plus length of lock before you reach trigger.