Maryland law provides rules for simultaneous death in the event that a testamentary document does not provide for such an eventuality. See Md. Code Ann., Cts & Jud. Proc. §§ 10-801 – 10-807. Clear and unambiguous language which overrides application of these default rules in a will prevents application of the default provisions. Pannone v. McLaughlin, 37 Md. App. 395, 377 A.2d 597 (1977). Such a clause in the will, however, will not govern insurance policy but – as with most of the will provisions – do not cover non-probate transactions. Sherman v. Sherman, 804 F. Supp. 729 (D. Md. 1992) (Insurance proceeds).