Is there a policy ? We don't know, if there is one, check though her belongings, look for old policies, I know my dad had one that he bought in 1925 and it was paid in full by 1950 and we did not know about it , till months latter when cleaning out his boxes of things.
But if there is no policy, no they are too old to buy one now.
But I will assume the lot is already purchases since you wish to bury them by husband. I will assume that most likely there is already a double tombstone.
The main thing is not to go past a budget if picking out the funeral, either buy burial clothes at a local discount store, or use something they already own. Check about very inexpensive caskets and in many places there is no requirement for a vault.
Next it is not how YOU, but how all of you ( you and your sister ,and other family)
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