Melanie finds out more about the story of Joyce, a mother from Middlesbrough, who saved for her seven children, but didn’t tell them about her savings policy. She was diagnosed with cancer at just 46 and the family are attempting to come to terms with her recent death. Her children Mark and Adele are surprised to fins out that they will get a share of the policy worth £19,500. Paul is in Walthamstow where he finds out more about the case of Betty Drake who put aside money every month to pay for her funeral. The presenters also look for beneficiaries of a £7,000 policy set up 85 years ago by Walter Selwood. Melanie travels to Sunderland where she meets Theresa who has spent most of her life caring for elderly relatives. Melanie surprises her with an unexpected windfall.