It sounds like you might be talking about “association” type plans. Are you a member of any associations or churches? AARP? AAA? Many of those outlets have some life insurance, limited amounts, which might be affordable. Depending on the amount of insurance, you might just have to answer health questions.
Possibly some association plans might have some guaranteed issue amounts, or an option that the amount of insurance can increase, incrementally, each year that you remain living.
If you are looking at $50,000 or more, then it is likely that you will need a paramedical exam with blood draw and urine specimens, and the insurer may order medical records from your provider/s.
I figure about 10K should be sufficient to have a modest casket, a day (maybe 2) viewing and the accoutrements (cards, etc.)
Our life and living situation (barring all money disappearing from the American scene) is quite stable, but I have no burial expenses.
I thought someone might have a 50 or 100 dollar a month deal that would insure people for the basics.
If not ... How do I find out how to start a plan like that?
If I got a thousand people (about ages 40 - 70) to contribute $100 or $ 125 a month, I figure as the plan grew, there'd be more than enough money to bury ... I don't know ... 50 people a year for a minimum of 5 or 6 K.
Surely everyone that bought in wouldn't be terminal ...
Just trying to think outside of the box