She can get a guarantee issue product. That will have a 3-4 year window before she gets full death benefit. Prior to that it will be return of premiums with a % back.
Provident and UTA both have the graded plan - the "maturity period" is three years. If there's a death in that time, they'll pay premiums back, plus interest compounded at the annual rate of 10% (less any policy loans).