My husband had a prepaid funeral. If he had not had one, I would have had to been on the phone with the insurance company myself the next day trying to get up enough money to bury him. They are the one's who contacted me within a couple of days saying they were going to cut a check for X amount and that if need be, most mortuary's would work with me on the expenses as long as long as they knew I would eventually have enough. I didn't have to call them.
Both my parents were paying on their burials when they passed away. Nothing was deemed vulgar or off about my dad writing a check two days before my mother died and had me hand deliver it to them. She was cremated, so while I was there to pay them the balance, I sat down with one of the clerks and wrote out her obit, too.
My dad bought all three of us kids burial policies when we were born. That was over 50 years ago. Does that mean he intended to kill us?
It's just seems to me she was trying to see if she was going to get money enough to be able to afford a casket, etc., for her child when his body was released. I didn't see anything wrong with then and don't now.