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As there is a 5% chance per day of you getting a new heir, the chances of you actually going heir-less long enough for your ruler to die (who can oftentimes hit ages of 100 or more even without Enduring or Venerable) is astronomically low to say the least.
I have not, but in the big MP event in London a few days prior to release, one player not only had this happen but had the rebels win. She was knocked out but hot joined as the former rebels who now ran her empire.