There are a hell of a lot of ads on tv encouraging people to take out funeral insurance. This annoys me on a number of levels.
The first is that a large segment of the population that has nothing better to do than watch Kerri-Anne and worry about when they are going to croke. If you've made to retirement age you should be out having fun, doing all those things you didn't get to do when you were working. Or at least you should be down the bowlo sinking middies.
Secondly it is a dumb concept. If you are dead you aren't going to have to pay any bills. Sure, your family might have to pay but they will probably inherit your awesome stamp collection so isn't that fair? If they can't fork out the money the government won't just leave you rotting either. I don't know the particulars but you can probably get cremated free or pay it off HECS style.
Thirdly it is a fucking ripp off. Unless you take out the insurance and die within about two weeks you are going to end up paying far too much for your funeral.
Fourthly it is commonly flogged in infomercials starring Ian Turpie. Do you really want your money ending up in the pocket of a game show host and peddler of dodgy impotence treatments?
I think a better option would be to just have cut-price funerals where you have a ute instead of a hearse and a fridge box instead of a coffin. People could also just pick some daisies rather than having some expensive wreath. That way the whole thing would only cost $50 bucks and any extra money lying in your wallet could be spent on those yummy mini pies for the wake.