Is it wrong that I'm hoping the flu takes me out so someone can collect the life insurance money?
I don't know about that. Who's going to collect the life insurance money?
It's going to someone who needs it more than I do.
I don't think it's good to hope for your own death, just so insurance money can be donated. Instead, you should practice being more generous with your time or money now, if that's what your aim is.
It's the safest way for me to donate. The person would never agree to taking the money if they knew I was alive.
This doesn't sound right, and if the person doesn't want your charity then hoping that you die isn't the way to get them to agree to it. You need to speak with them about your intentions and I am sure they would tell you that they don't want you dead.