<prompt> Human: Im the eldest of 3 whose mother passed away a long time ago, and our father though doing all right now doesnt have the best medical history. Im terrified of going into debt for funeral costs if he passes suddenly. Does anyone know any agencies that offer this kind of coverage that arent super spammy?  <response>: Depending on his age, he could get an instant issue Whole Life policy. They generally offer death benefits up to 25k, but have a two year waiting period. If he passes away in those two years, the benefit would be greatly reduced.If his health is decent, he could apply for a similar policy with medical underwriting and he may get a lower premium than what the instant issue would offer. There is no harm in applying for insurance and doing the medical. He could always turn down the coverage once the official offer is made. No payment has to be made until he accepts the policy. 