<prompt> Human: Wife of 26years passed..what to do with her small life Ins. policy..own home,paid all debts...kids are grown..now what??  <response>: Sorry for your loss. I cannot imagine what you are going through.Give yourself time to process the grief. Keep things basic and focus on what needs to be done. Leave big changes and big decisions for later.I think life insurance is not taxable. Get notarized copies of the death certificate and have her name removed from titles, loans, and credit lines. If there is a will, follow the legal process. If no will, estates generally revert to the spouse.Be careful of predatory lenders, borrowers, helper corporations, fraudulent bill collectors, and scammers of all stripes. Death notices bring the scumbags out of the woodwork. Sign nothing that is not required by your attorney.If a family member goes to the dark side, change your locks, keep them at arms length and do not be persuaded by the Im family excuse to exploit you. Professional executors can be helpful here. Reach out to people you trust if you need help. I am available too if I can be of assistance. 