Didn’t this couple have full coverage if one of them died in the past four years? Who pays for the cost of insurance or in their world should it be free? If you buy a car…you may pay in full OR over a period of time. Simply put, pay it in full, pay over time (but pay more) or pay at the time of death. You cant have it both ways in Iowa or anywhere else. Just the facts Ma’am. See you in the Bahamas.