Comrade X is no longer sure what the point of insurance is.

Comrade X recently received this piece of spam from 2insure4less, which uses the usual scare tactics to get you to buy insurance. What they did was list the price of a "typical" funeral:


"Funeral Costs

Cost of regular adult funeral including following basic items. Does not include cemetery, monument/marker costs or miscellaneous cash advance charges such as for flowers or obituaries.

I need burial insurance.

$1,595 Non-declinable basic services fee
$233 Removal/transfer of remains to funeral home
$550 Embalming
$203 Other preparation of the body
$406 Use of facilities/staff for viewing
$463 Use of facilities/staff for funeral ceremony
$251 Use of a hearse
$120 Use of a service car/van
$119 Basic memorial printed package
$3,940 Subtotal without Casket
$2,255 Metal Casket
$6,195 Subtotal with Casket
$1,128 Vault

Total Cost $7,323

I need burial insurance."


Okay, aside from the obvious questions (like, "What the fuck is 'other preparation'?" and "Why would I need the use of staff for a viewing? So they can point out the right body? 'No, kid, your dead mother is that one over there. Yeah, we made her look pretty, not like she was in REAL life!'"), the most GLARING question that still confuses Comrade X is: WHY THE FUCK WOULD ANYONE OFFER BURIAL INSURANCE? Does this sound like a scam, O Dear Reader? Isn't the whole point, nay, the very DEFINITION of insurance, that you pay money to an insurance company IN CASE something happens, and if it does, you're covered (that is, if they decide to pay and not hassle you and refer to some clause in your insurance contract that you never saw or never actually existed when you first signed), and if it doesn't, the company gets to keep your money and stay in business? Why would you pay money against a BURIAL? I mean, last time I heard, death was INEVITABLE. And if you decide to get buried, then doesn't 2insure4less (a sketchy name if I ever heard one) HAVE to pay? Are they banking on you NOT dying? Or on you changing your mind and getting cremated at the last minute? Or your body being lost at sea? Or what?

Comrade X doesn't get it. If any of you can explain, please do. What kind of scam IS this?