Widow's Life Insurance and Premiums

I am modelling my wife to outlive me by eight years with enough retirement assets remaining to cover her until the end, including the cost of her funeral. In the yearly summary, she is shown as having no life insurance at any time, which should be correct.

However, on the spending page, life insurance premiums are shown for her in each year after my demise. This does not make sense since in any year there would be enough retirement assets remaining to cover her funeral, and there is no bequest amount. The impact is that I have to iteratively compensate for the life insurance premiums through special receipts.

My understanding is that the default plan is to pay funeral expenses from the sale of the house or maybe regular assets. We are planning on renting so there is no money in the house. I have also minimized the amount in regular assets by giving her enough tax-free retirement assets so that her annual retirement withdrawals after my death cover her average spending (including the funeral cost). The regular assets just balance the year-to-year variation in spending. (The purpose for this is to eliminate all income taxes after retirement.)

Shouldn't the program use remaining retirement assets to pay the funeral expense rather than buying insurance? BTW, the annual insurance premium in 6 out of 8 years is more than the funeral cost.

I would appreciate enlightenment on what the program is trying to do here and any work-arounds other than tweaking special receipts.

Thanks,
Bill