Aibu to not help close relative

[Spongebobpatrick]

Her DH died recently. They knew he was ill and instead of getting life insurance, funeral cover etc they decided to save. He told us in the summer they had 30k saved. She told me today she only has 5k and doesn't know what she'll do. I think she's lying to trying to guilt me to give her money. I pay a fortune each month for insurances incase anything happens to me or DH, why should I give her money when she freely chose not to protect herself.

Previously, she has guilted me into giving her £2500. Despite claiming to be poor, they go on four foreign holidays each year at peak times so high cost.

You're not obliged to help anyone financially so no yanbu.

You don't have to give her anything but nobody is going to give a dying man life insurance.

YANBU to not give her money, but not everyone can get insurance. I survived a suicide attempt when I was young and while I have managed to get life insurance, I have been refused income protection.

You can’t get life insurance after you are diagnosed with an illness.

You don’t have to help this relative if you don’t want to.

There absolutely are policies that pay out x amount
No medical info requirement
X amount if you live for 6 months
X amount more if you die more than 12 months later

So they certainly could have arranged this

My close relative got one
Terminal cancer diagnosis
Survived 6 ish months
Pay out as it said on the tin

If she has £5000 saved then it's enough to get him cremated.
It might not be a frilly posh do, but it's enough to get a basic level of service. She needs to find out if she can claim any bereavement grant if she is on benefits too.

Sorry to be clearer, he didnt have an illness but 5 years ago he very nearly died. At that point they discussed insurance and went against it. He was unhealthy, obese, had a pre existing heart condition for 30 years. He told me recently he had saved 30k. She is now saying she only has 5k. One of them is lying and I think it's her.

He has been cremated already and she has applied for the grants towards funeral costs, she will get 2k. I just feel she is trying to guilt me into paying towards the remainder of the funeral costs. She visited yesterday and it feels like the whole purpose of her visit was to tell me she is worried about money. She didn't ask how me/dc are despite us losing a very close relative as well.

No, you don't owe her anything, and don't let her even attempt to suggest you do.
Regardless of how much money you might have, it's up to you what you do with it.