Reason for Life Insurance

I have a 77 year old woman who applied for 50k by mutual of Omaha and then last month applied for another 50k for 407.00 with another final expense agent. I quoted her for 50k for 205.00. She will be replacing the 50k by the final expense agent but for a 77 year old woman who makes from her late husband's pension and social security about 25,000/year could I write in income protection because she said she wanted to be cremated and use the rest of the money for her grandkids. If not, what do I write under "reason for life insurance"? She will have a total of 100k of life insurance. She's only r

Source of insurance-forums.net