Hi. It's me, Penny, and I'm asking for help for final expenses for my amazing husband who passed away on July 14th. Tracy had been struggling the last few years with heart failure and COPD and passed unexpectedly. I did get life insurance for him back in November; however, due to his heart issues, it would only pay out after we hit the 2-year mark, and unfortunately, that didn't happen. Tracy was everything to me, and it's difficult to admit that I can't afford to do this for him. He was the love of my life, and we always took care of each other. Til now, I need help.