Rather than pay on a “final expenses” policy which puts only a portion of your premiums toward insurance, why not just up and pay for them yourself?
Most funeral directors offer payment plans. Translation: all your money goes toward it instead of some dismally unremunerative “forced savings” scheme. “But…but…you can borrow on it!” Yeah, when? Put that money inna bank and you won’t have to “borrow on” anything. NOTE: Many local funeral homes have been bought up by Canadian conglomerate. Every decision must be cleared by a corporate bean counter half a continent away. Know with whom you are dealing.
PS: The Neptune Society has this thing down, and when they are done with you, you won’t be takin’ up much space. Do-dah.