Horseshyt.
I know a free LI policy that'll pay 10K. That's enough to bury you. All you have to do to keep it active is click a link every quarter to renew it.
No catch.
www.safetynetcommunity.org
My dumb ass cousin wouldn't sign up after hounding him several times but I got my aunt to force him to. About half a year later, he gets a cancer diagnosis. That wasn't a lot of money, but they didn't have to setup a GoFundMe to bury him.
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Smoking one less sack of weed or drinking one less bottle of liquor a month would pay for a 30-year term policy with a high death benefit especially when you're young. I'm talking $25 a month for a 30-year term policy paying out a half a million-dollar death benefit.