Insurance on Death Bed

My spouse and I are in a predicament, my Mother In Law(MIL) is currently on her death bed and my father in law and husband want to get life insurance before it's to late. We keep trying to look for guaranteed issue or the equivalent, but only find policies that have a two year coverage before payout. We won't be able to afford funeral and her debts. My father in law is worried he can't pay their house and car off and that's why he wants to get the insurance. I know there also funeral/ final expenses insurance but it's so confusing right now with our heads not clear with everything going on.

Im begging for help, can someone please send links or information that can help. We're not worried about the premium cost, just making sure she's covered immediately the day of.

Also if the final expenses policies pay $25k, can we get each get a policy on her? I'm really not trying to sound greedy, but we can't really beat around the bush on this one and need immediate advice. Thank yall in advance.

submitted by /u/FadedShadow0721
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