There will be burial expenses. Your spouse is probably going to have to go to work if they don't already have a job outside the home. It may take some time and expense to acquire skills to enter the work force. They will need more clothes, good transportation, and possibly money for daycare. They may need counseling.
Some people have to take medication to cope with the loss of a loved one.
Your spouse may have to move to a property where the maintenance is easier and the property taxes are lower . Perhaps they will need to move nearer to family to help them. Moving is emotionally and physically very difficult. These are just a few things to consider. Five to seven times one's annual salary is a ballpark figure that is quoted for adequate protection.