I answered the phone this morning and the conversation went like this.
Me: Hello
Caller (a youngish sounding man): Can I speak to Mrs K please?
Me: Speaking
Caller: I am calling on behalf of (whatever company). We specialise in
funeral plans. Do you have a funeral plan?
Me No.
Caller: Why not?
Me: Because I don't want or need one.
Caller: Well what are you going to do then? (Yes I know, I should have
told him to mind his own business at this point and put the
phone down).
Me: What do you mean?
Caller: Well, when you die, about your funeral. Are you expecting your
family to pay?
Me: No I am not. We have a house to sell etc.
Caller: Well houses take a long time to sell and what if you have to
sell your house for care? How are they going to pay for your
funeral?
Me: We will hopefully leave more than enough money for our funeral.
Caller: Well you need to have a funeral plan then.
Me: Goodbye.

He was quite aggressive. He obviously thought he could scare some doddery old dear (which I am not) into parting with their money.
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