[poundwise]

If the desire is to cover the cost of a funeral, should it be needed, then you wouldn't need much coverage. $50K will bury someone quite nicely. And, at 25 years of age, a $50K, 20-year, level term policy should be less than $100 per year. (Of course, the rate varies depending on your health class/smoking or non, etc.)

Addendum: Of course, a $15K policy would serve the point as well and cost considerably less.