The timing of obtaining life insurance could be a factor also.
If they had a small policy (or none at all) when they were doing well and then increased the amount significantly after having financial troubles that would look suspicious to me.
JMO.
Exactly right, insurance can be a motive for murder for a variety of reasons. But just because a person had a life insurance policy before they died is not significant, actually its normal. At this point we don't have any facts or we don't even know if there was a policy. But I would highly suspect there was life insurance because TS seems to be the type of person who would want to protect her family in case of tragedy.