The best answer to your query is that, obviously, it's the way the writer decided to write the story.
If this was a real life situation, set in the Great Depression of the 1930s, Edna's husband probably couldn't afford life insurance. Then, as now, people in high risk professions -- such as law enforcement -- had to pay exorbitantly high premiums for life insurance because they face the possibility of death every day.
And even if he did have insurance, as a law officer, his policy probably excluded" death caused by law enforcement activities. Most insurers have excluded death and injuries in high risk jobs like that for many years. I was an airborne traffic reporter for a few years in Houston back in the 70s, and when my insurance company found out about it, they cancelled by life insurance policy.
Besides, this story is about a woman's struggle to survive after her husband is killed. I'm content to let the writer tell the story any way he chooses.
The greatest trick the devil ever did was to convince the modern world that he doesn't exist.
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