Rav Shraga Silverstein, zatsal, told me that it is talking about Techiyas hamaisim. Olam Haba is b’schar any Mitzvos – it doesn’t have to davka be Talmud Torah. “Kol Yisroel yeish lahem cheilik l’olam haba”. Not learning Torah is not on the list of things for which one loses his cheilik.
Also, another Rav told me that it doesn’t say that she can’t earn Olam Habah for her own learning. It asks the question, “Nashim b’mai zakaim?” in reference to the majority of women who don’t learn Torah. However, there may be many who would disagree with that interpretation. I don’t know if he had a source, but I also don’t know of any sources that contradict this interpretation. So I don’t know if it can be interpreted that way or not (although it is clear that women do get schar in Olam Haba for their own learning, but maybe they also have to make sure that they are keilim for men’s learning as well).
In any case, it doesn’t have to be her husband and sons. It can be any men, and there are many ways to accomplish this. One can give money to a kollel, one can teach boys. Or you can even teach girls who go on to be wives and mothers. Or you can post comments in the CR about how people should be learning Torah and not wasting time in the CR :).