This is a product sold to families to cater for the funeral expenses in the event of death of a family member. Members of the covered group can include only members of a nuclear family (spouse and children including the legally adopted) and the biological parents of both spouses below age 75 years. Extended family members like brothers, sisters, grandparents etc. are not covered. Individuals who may want to buy should be ready to pay the minimum premium for any option. One can also buy for less than 4 but again pay the minimum for any option.