How much life insurance is too much?

A woman's husband dies. He had $20,000 to his name. After everything is done at the funeral home and cemetery; she tells his closest friend that there is no money left. The friend says, "How can that be? You told me he had $20,000 a few days before he died. How could you be broke, already?"
The widow says, "Well, the funeral cost me $6,000. And of course, I had to make the obligatory donation for the church and the organist and all. That was $400 and I spent another $400 for the wake, food and drinks, you know.
The rest went for the memorial stone."The friend says, "$13,200 for the memorial stone? My God, how big is it?"
The widow says, "Three carats."