It does seem cruel here compared to how it mostly works in the West (Australia at least) but it is what it is and I am trying to cover those bases beforehand if possible. Did your Husband have a Death cover for Natural causes? My brain is a bit foggy now regards past covers I once had, and I do need to look into it soon to see if I can obtain a Death cover here that will cover Death by Natural Causes, as well as Accidental Death. I would like for everything to be covered and give my Wife and Daughter some breathing space and relief when the time comes whereby they will have things covered. I am actually thinking of investing in Two Cemetery Plots if it is possible to purchase them in advance. I have read in some SE Asian countries you can only use that plot for (I think) 20 years before they remove your remains and sell that plot again. Need to look into that to find out if that is the case here also.