Cwatts -- the dynamics change a lot depending upon the different positions that a man can assume. The best way to do this is with a guy, and act it out.
Assuming the guy is between the woman's legs, the guy's hands will either be on the woman's shoulders/upper arm or her neck. Woman's options are severely limited at this point. The woman can't reach behind the man's back, and even from the side of the belt area can be difficult. If the guy has lowered his pants, the belt area is even farther away.
So the woman grabs the sword, the question becomes why doesn't the guy notice? But assuming he doesn't, then notice the limited range of stabbing motions that the woman can make. Stab wound is most likely going to be low on the torso. It will not be fatal. It will bleed like crazy.
What does the guy do? That's what's going to determine her next move. He is going to scream. He's also probably going to slug her.
Unpleasant as it may be, if she needs to do this quietly is to wait until he collapses upon finishing, then slit his throat.
It is very hard to inflict an immediately fatal wound if you're pinned down. Basically you need to go up under the arm pit, not get deflected by the ribs, and go for a heart/lung shot. Next to impossible to do.
Best of luck,
Jim Clark-Dawe