The estate/guardian has a lot more interest in her than any commercial entity. If it was up to hubby and he says No, No means No.

The insurer might not have to pay the production company in that case. So the production company would offer hubby money to let strange men with knives & saws violate his wife's body & dignity - just like in porn - and this being Hollywood it shouldn't cost that much (just like in porn).

However in this case state law may either require an autopsy or allow officials to request one over hubby's objections. 32-year-olds generally don't die unexpectedly in the shower and the police are likely curious as to why.