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robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s. .
when robert had to go on full medical disability in his early 50s after hurting himself at work, helen went back to work, this time in the oil industry. . .
mrs cavanagh, from foyle park in londonderry, had a complex medical history of chronic heart and renal failure. .
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."i hit the lottery," derek valenzuela, now 45 and a professional baseball scout for the chicago white sox, said of being born into the family.
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the total amount paid out in life claims was £129.4m, with £13.46m paid in terminal illness claims. .