If you have no dependents and insufficient assets to cover funeral costs, you should consider buying life insurance. This type of insurance can help cover the expenses associated with your funeral and any outstanding debts you may have. It is important to consider the cost of the premiums and the coverage amount when choosing a life insurance policy. Long-term care insurance is designed to cover the costs of long-term care, such as nursing homes or in-home care, which may not be necessary if you have no dependents. Comprehensive coverage on your PAP, or personal auto policy, is also not relevant in this situation as it typically covers damages to your car, not funeral expenses. Therefore, the best option for covering funeral costs without dependents or assets is to consider buying life insurance.