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That canned wording is really lame and it gets lamier the more times I see it. But then again, that is Intuit's answer to installing a barn door. Just think if Intuit had been hired to build the Great Wall of China. Instead of a wall there would have been a few stones scattered along the border saying "You have come to China but you may be looking for Russia. Cheers!"
Ukraine - hang in there
Well, actually, maybe, if the policy claim has not yet been submitted (for all we know from the question, the husband is still alive); the wife "disclaims" $200,000 of the proceeds; and the kids are the alternate beneficiaries for that amount.