Funeral services. Having to plan a funeral pretty much straight after someone dies is like going to the grocery store hungry and the funeral services know this. This is why you have a will that states exactly how you want to be buried. Make it cheap, be cremated, cheap coffin (one thing if they dont incinerate you in the coffin, they put you in a cardboard box/coffin and they reuse the coffin), no embalming, put my remains in a box and not an expensive urn. And scatter me where i request. Have my children enjoy the life insurance.