Dying can be expensive; so can funerals. Our local Catholic cemetery experienced so many cases of survivors’ sticker shock at funeral expenses that they are urging people to prepay for Trappist caskets, and to get itemized expense lists from local funeral homes. They also urge buying a funeral expense policy rather than sticking your survivors with a huge debt.
I bought my first insurance policy while in grad school. An agent climbing up the rickety steps to my 3rd floor attic apartment noted that you could kill yourself navigating those steps. Then he asked if my parents could afford to bury me. It would have been a big expense for them. I figured I should pay for my own planting.