Husband had loan insured, but bank never told his widow

[csziggy]

61. The woman in this case was NOT irresponsible - she PAID the mortgage

Perhaps she did not have a child that could do what my sister did for my Mom and you did for yours. Maybe she was trying to deal with everything on her own. But if there was not an easily understood contract for the insurance it would have been easy to miss in the multitude of details following her husband's death.

The suit claims that the fees listed as part of her mortgage payment were not itemized and even when her attorney tried to find out the details the company collecting the mortgage did not want to disclose exactly what they were:

One stood out to George Bosch, a legal administrator who worked on her case for the Los Angeles law firm of Edward Lopez. It was passed off as a fee but didn’t seem normal. Was it an insurance premium, he asked?

“Silence on the other end of the phone. They didn’t want to answer the question,” said Bosch.

A few days later, the answer came. Yes, it was an insurance premium, for a policy underwritten by Miami-based American Bankers Life Assurance Co. of Florida.

Her late husband had taken out a $100,000 policy with the original mortgage with NationsCredit Financial Services Corp., the subsidiary of Bank of America that specialized in lending to poor borrowers. He owed about $120,000 on the home when he died. That should have left his widow — now sole owner of the house — with little problem in paying off, over time, the remainder of the loan.
http://www.omaha.com/money/husband-had-loan-insured-but-bank-never-told-his-widow/article_3526d410-8d04-5dc9-85ef-775b53ff828a.html

She notified them of her husband's death and the companies involved did not pay off on the insurance policy and continued to collect premiums on a policy for a dead man. HOW IS THIS HER FAULT?

You seem to want to blame the victim of this fraud and let the corporations that participated in this fraud off the hook.