I doubt there would be an insurance payment for their kids. Suicide isn't accepted is it?
If they fell at that age...They were not getting up and walking away. I have seen broken bones from a fall on a carpet.
What we don't know is where their cabin was, are there ajoining balconies there, did they have any cash with them or was it ALL in the cabin with their belongings and did they know anyone else on the cruise?
I am so sure all of this is known by now.
I am just baffled why anyone would leave a cruise ship by way of the side of the ship into the water?????