Life insurance for parent 50+

A family member is looking to purchase life insurance on my mother in law who is 55. She has no assets, has a semi-recent drug history, diagnosed with a few mental disorders, has debts, and doesn’t work. I feel as though a decent company wouldn’t approve her given her past.

Last night, she informed me my brother in law is getting a policy for her. I found that to be odd as it seems like life insurance doesn’t really make sense for her. I have looked into getting her an EoL but I haven’t researched things further. If she were to pass soon, which I don’t predict, it would be hard for her kids to pay for her service. If she passes maybe 3-5 years down the line, it won’t be an issue for my household to pay those expenses. So, I’m still on the fence about EoL.

This family member, I feel is making a bad investment and his agent is his ex wife’s best friend. I feel she may have motives of commission versus getting a policy that is best for him and my mother in law.

Could I be wrong? Would life insurance make sense for someone her age and in her circumstance? What if her death benefit is very low, I assume it is because my brother in law doesn’t make much money, and her debts could take it all or a sizeable amount making my brother in laws investment undesirable.

Any insight would be helpful and appreciated!