Perhaps the widow should forget about the insurance and consider the
husband's reckless regard for her, the kids, and his passenger by doing
something stupid while flying an airplane.

Some years ago I worked a case involving a pilot who had a million
dollar policy with $100,000 sublimits. It appeared he was doing
something that might be considered less than safe while carrying one
passenger.

..stuff snipped, then this tidbit
Now, one of the widow's memories of her husband is that he
was too cheap to buy adequate insurance and it hurt her and the kids.