My condolences on your lose, Fallenmystic.
One week from tomorrow (Aug 22) it will ten years since my father died. Although much was preplanned and paid for years earlier, there was still a lot to go through and expenses to be handled. Fortunately for us, my mother is a strong woman and had been the main decision maker for quite sometime. Sill, things were difficult for a year or so.
I worked for 23 years in the life insurance industry and, while not directly interacting with customers, I did see how in many cases the families and especially the spouses were unable to cope with things. I hope for the best you and your mother.
Our office's primary focus was on small policies (average 10k) for seniors mainly to handle funeral expenses. When I started, 10k was the average for a funeral in the US. When I retired recently, I think the average was 18k. And yes, it is an industry and there are lots of scams. Even honest funeral homes still will take advantage of people at a time when they are vulnerable. In some ways, a funeral home is like a car dealership, trying to push you to take the more expensive options and add on extras.
This option is being made available in some places, including one near me.
I'll admit it has some appeal and fits with the instructions I gave my family: "Just dig a hole and dump me in it."