It's important to differentiate between Final Expense Insurance companies so you can make an informed decision that is right for you and your family.
You have no coverage and some pre-existing condition is preventing you from buying a conventional life insurance policy.
You want to leave money behind so that family or friends have a way to provide a proper burial.
Burials can be extremely expensive. (According to 2016 statistics, the average burial runs anywhere from $8,000-$12,000). If you do not have the money for a proper burial there are several things that can happen. A family member will have to dish out the money, your body may be donated to science, or the community may have to donate money for your funeral services.
Additional fees when wrapping up an estate, such as paying off any secure creditors.