Thank you for your question
My name is ***** ***** I shall do my best to help you.
Your cousin is right to worry.
In the event that he dies before her then she will receive all assets hale din joint names; but if there are any that are not she will receive the first £250,000.
The rest will be divided with half to her and the other half divided equally between her and the two children.
It would be sensible for them to make Wills
Please ask if you need further details