Understanding need for retired parents

I'm using the basic edition to help my 79- and 77-year-old parents do some planning, and I could use some help understanding why the program the program is recommending life insurance on my father. The program appears to be assuming my mother would lose his Social Security and pension income. But my understanding of the Social Security Web site's information on survivor benefits is that my mother would get 100 percent of my father's benefit amount. I also researched my father's pension, and it shows "Disbursement Option" as "Level Income Option with 100% Reversionary Contingent Annuitant," which I'm pretty sure means that when Dad dies, they'll keep sending Mom the same amount.

The program shows no Social Security survivor benefits for my mother in the couple of years after my father dies, which would seem to be a bug. As for the pension, I assume it's just a matter of the basic program lacking a feature to specify payments that continue to a surviving spouse. With no other income sources tied specifically to my father, do they have any other need for life insurance on him?