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thanks for the question.
i am not quite sure what you are asking but if it is does she have a claim, yes. she has a valid promissory note which you gave her and there seemed to clearly be consdieration for the note. the only thing you can do is argue as you described here that a portion of it was for the future IN THE EVENT YOU DIE but that is not a very strong argument. i do not think it was very smart to give her a note for the 40 that you did but that is already done.
the upside to this is that it is an unsecured note so in essence she may very well get a judgment but if you do not have any assets of note there will be nothing for her to collect against. of course, as it moves along she could potentially get a levy and garnishment on your pay. that thopugh is only to the extent that she gets a judgment.
in short, you should ertianly defend case with your defenses as stated. the bigger question is if she will really get an attorney to do this.