While you should try to get funeral insurance at the best rate for which you can qualify, it is more important that your life insurance coverage is still there and has not lapsed or terminated for any reason, when you need it, which is at the time of your death.
While term life insurance generally has a lower premium for the same amount of life insurance coverage, a whole life insurance policy may be another option to help pay for your funeral expenses, as the coverage will last for your entire lifetime, as long as your insurance premiums are paid.
Here is more information on funeral insurance coverage and how you can apply online your your policy today.