well in 2001, their house in Seaton Carew must have been worth about a hundred grand. They had 300,000 worth of debt and were expecting 250,000.
So if they weren't planning to pay off their debts, Anne sold the house say for the 100,000 it may have been worth at the time, plus the 250,000 from their policies and pension, 350,000 quid goes a heckuvalot further in Panama than it does here! The USD is the currency in Panama but property and cost of living is cheaper than in the US or UK. Plus they were quids in being complete debt free.
Different people and different set of morals.
Still not worth lying to your children about a dead father over even if the eventual plan was to tell them the truth.