Life insurance?

52 female, sole provider, 14 year old son. I have a? At the end of my title because I don’t know how this works and because I’ve been so afraid of scams and because there’s so much information I’ve just avoided it. While growing up, I always saw the Alex Trebek commercials I didn’t fully understand what was going on. But I always thought to myself, I don’t believe that you pay $.80 a day, a month, whatever it was and then, when you died, they will give you X amount of dollars. I am ashamed that I am an educated person and still don’t understand. That is what fear does. I also think that over the years I have heard about annuities, and other products that people have tried to sell to me, and it just furthered my skepticism and fear. So at this stage of my life, this is all that I want. If I die today, I want to have a policy that would pay for a simple funeral, pay off our home. This is the part that I don’t understand and it gets sticky for me, am I able to also leave money so that it covers expenses for my son over the next five years? At this stage in my life, I am a woman of simple means, so I don’t have excessive amounts of disposable income. I don’t want all the extras. I just need the basics. Can someone help my understand how the pay out part of life insurance works. I will say that I have no interest in annuities or investments or anything like that, I’ve seen the good and the bad explained and I don’t want that. I just want the basics. Thank you all for being kind and your answers.