I don't know 安钢's life policy, but in general, a life policy like this will include 2 parts:
1. Life compensation, which is like a fixed sum of multiple times of the annual salary. This amount will go to the benficiary stated in the policy, and without a benficiary, will go to spouse and children and family members according to the law. In this case, it seems 安钢 did not specify who the beneficiary is, so the money will go to his wife.
2. Survivor and dependent benefits. If a deceased is single and has no child, there will be no survivor or dependent benefits. Survivor benefit is usually a fraction, like one third, of the annual salary payable for a number of years, usually to 60 or 65 years old. The dependent benefit will pay till the dependent turns to certain age, either 18 or 21. They are mutually exclusive, so 安钢's wife and his son will receive different benefits.
I believe the 80w consists of both.
Part 1 (life) is controversial, but I believe his wife will receive the full amount. The insurance company will hire a lawyer to fight for her, because you guys are asking for a precedence flipping the insurance system upside down and pushing the premium up.
Part 2 is non-controversial. If his wife is not qualified for whatever reason, nobody will claim that part. Only the insurance company saves. If that's the case, what are you trying to do? Hurt her regardless?
Under whatever circumstances, the old parents in China will not qualify for any compensation.
If you are talking about life policy for 80w from a trucking company, I would like to know how generous the company is.
By the way, is this woman from Shanghai?
I amost married one from Shanghai a few years ago, but I choose to back off since I felt she was more interested in passport hunting than me.