3 kids. No life insurance. They don't even have enough to pay for the funeral costs. If you feel like helping out, here is a link to donate:

http://www.youcaring.com/memorial-fundraiser/help-marcy-law-bingham-pay-for-ryan-s-funeral-costs-/314166#.VPHvgSgmu71.facebook

Side note: I know that often people don't get life insurance because they believe they can't afford it, but really, you can't afford not to. So sad.