Life insurance is important but we shouldn't pass judgement because there are many factors to consider. One such:
"Due to the added risk health problems create for insurers, some pre-existing conditions can raise your premium or even disqualify you entirely from certain types of life insurance. A few common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma."
Whatever the situation, I was so touched by the beautiful photo of your family and the story of your brave son and God's providence in providing for Last Rites as well as your resignation to His Divine Will.
You are an inspiration to us all!
Prayers for the souls of your mother and husband and may God bless you and your beautiful family.