Back when I was a child growing up there was no such thing as having "life insurance" unless you had lots of money. People who were blue collar or on a poor level of living, simply didn't have such thing. Not only that, they weren't able to afford the luxury of life insurance. Their money was saved up for that particular use, and if they didn't have enough to pay for a funeral, then they were buried in pauper's graves. Today's world have a different outlook, but there are still many who aren't insured.