I don't have either. If you did want to get funeral coverage, there are 2 options one is funeral insurance that you have to keep paying until you die to get a payout. If you stop paying, your coverage stops. The other type is prepaid funerals where you pay it off like a layby. Once you have paid the total amount you stop paying and it will be there for you (or your family) when you die. Much better to go the second type, unless you thinkyou will have a short life.