Regular folk having a brush with fame has already been the subject of Craig Lucas' gentle comedy "The Lying Lesson, " in which a mysterious woman who visits a Maine town turns out to be Bette Davis.
The truth is, we subject ourselves willingly to these kinds of things on aregular basis, with medical tests, at the tailor, in open the dressing rooms of discount stores.
If cashed out, proceeds beyond the total of premiums paid would be subject to regular income tax, though that's usually a small amount in such small policies.