Some policies that appear to have expired may have some cash value. Contact Human Resources at your spouse's employers to see if any life insurance policies are in effect, or if there might be undisbursed money in a savings plan. If the death was work-related, you may be eligible for Worker's Compensation benefits. In Idaho, call the State Industrial Commission at 334-6000. It depends on the circumstances of death, discharge status and financial need.
All veterans are eligible for gravemarkers or headstones.
Mortgage insurance pays your home's loan balance should the primary wage earner die. If you have a mortgage, contact your mortgage company. Don't think fraud can't happen to you. Age, stress or emergencies can affect your defenses. Become knowledgeable now about legitimate places to put your money.