Dave Ramsey has not publicly commented on whether or not a person should buy burial insurance. However, Dave has gone on record for most of his career, stating that you should only buy term life insurance. His advice lacks nuance and shouldn’t be applied without speaking to an experienced agent who can advise you appropriately. If you need life insurance to cover your burial expenses, buying a term life policy is a big gamble. Term life policies usually expire around age 80, which most people exceed. So if you purchase term insurance to save money and live beyond age 80, you’d have no insurance to cover your burial. Always get whole life funeral insurance if you need a policy to pay your final expenses.