I think the whole widows and orphans program had its expiration. Rosalie had complained to Carmela in Season 4 that Jackie didn't leave her enough, and look how quickly Tony gave Vito's wife the hook. Christopher's mother lived very modestly (of course, she might have simply sunk the money in Wild Irish Rose).

Even with Angie, Tony giving her control of the body shop relieved him of significant legacy costs.

I might have touched on it in another thread, but when Tony was in the coma in Season 6, the attitudes of Paulie and Vito are quite telling. Both were dragging their feet on kicking up the $200,000 from the Columbian drug score, until Tony woke from his coma. Then those two are figuratively tripping over one another to get Tony's share over to Carmela.

Had Tony passed, Carmela would not have seen dime one from that score, and I doubt Silvio could do a thing about it.