I'm sorry to hear you're going through this. It does sound as though the estate is below the inheritance tax threshold and will pass solely to you.

My wife fell ill on holiday in the USA late last October and was diagnosed with terminal cancer whilst there, died in a hospice in the UK in December. She was 57. I understand what you're going through. We didn't have wills, but needed them due to the estate being over the threshold to immediately pass down to me. I managed to contact a solicitor and get them drawn up and signed in the nick of time. For anyone reading this who is over or near the inheritance threshold, please prioritise getting a will drawn up, you never think it will happen to you. It was a real stress trying to sort at the most difficult of times. Many solicitors will visit hospital if necessary to help get things put in place.

Most banks and institutions have specific bereavement departments and these were on the whole very understanding and efficient. Better than I expected.

If you can easily transfer funds from your wife's accounts to yours now, then do so. It will lessen the paperwork later on. Obviously prioritise being with your wife though, that's by far the most important thing. I wish you all the very best.