So, lesson learned. This may not be a scam -- the company below may indeed pay claims purchased under this absolutely horrible, no good, outrageously overpriced, predatory, just-this-side-of-illegally-deceptive, slimy insurance offer.
But you'd be a fool to find out, because you'd have to buy one to find out, and that would mean that you'd not only pay an absurd amount for a tiny benefit, but you'd also find yourself getting a blizzard of mail from similar outfits, because these outfits all trade "sucker lists" as they refer to them, and once you take the bait on one, they all cast their lines in your direction and try to reel you in.
Don't fall prey to these kinds of things. If you're concerned about funeral expenses, contact the Funeral Consumer Alliance of Oregon, an affiliate of the national Funeral Consumers Alliance and learn more about how to minimize the costs for disposing of your remains, and how to avoid getting taken.
And remember the basic rule: never do business with anyone who tries this kind of deceptive marketing (the attempt to make their commercial pitch appear to be an official letter). The simplest and best thing to do: just recycle it without even opening it.