I agree, add a rider to your own. It truly is to cover the burial costs, which are outrageous. It always makes me feel even more sad when I hear of a young person dying and then the local back has a fund to contribute to. A sure sign the family did not have insurance and is looking for donations to cover the cost. When dealing with the awfullness of a child's death, I would not want to add stress over the funeral bill.
6/29/08 at 3:26pm