I dont but i bet you your wrong on all the above counts and im nearer the mark . If she was on 60k it was through drug dealing or benefit fraud, her kids probably have all different fathers and if she did have a husband who died he probably never paid any form of insurance in his life. Sad but there it isHow do you know she wasnt on 60k a year when she had her kids?
Or perhaps she had a long term partner, but the relationship broke down.
Or her husband died with no life insurance..
You just dont know.