You probably are... In the US, we have all sorts of scummy "life insurance" companies that pay out just enough to cover your funeral expenses. The cost is high, but they guilt trip the elderly into "thinking of the huge expense you'll leave for your children". The commercials generally involve one gray haired person talking to another about the great life insurance plan they just signed up for, and how much more secure they feel.

There are of course, some advantages to using these plans in a few outlieing cases, though mainly the "prepaid funeral" variety. These can be useful because some government benefits are only paid out if your net worth is below a certain threshold, and a prepaid funeral is not an asset.

Matthew