I`m so sorry to read about your husband, and hope that he isn`t suffering too much. When my husband died, 19 months ago, I was scare as to how I`d cope financially. However, his works pension paid me a lump sum from his pension, which was good, then I found that I was entitled to a state pension, that I thought I wasn`t entitled to, and should have been claiming it for 7 years, they offered me a higher pension or a lump sum as back pay, so I took the lump sum, which enabled me to get certain vitally necessary jobs and improvements done to the house, which we could never afford before. And I still have most of the lump sum from his pension left, so now have more money than I`ve ever had.
Hubby didn`t have life insurance, and didn`t leave very much, but it was just enough to pay for his funeral, before I found out about what I was entitled to.