Not all providers have the same criteria. With most providers, you can cover you direct family. This means your spouse, children and parents. You can also usually cover around 6 – 9 extended family members. This includes grandparents, brothers, aunts, cousins, etc. AVBOB for example allows you to cover as many of your own children although you only pay for one. Assupol allows you to cover unlimited extended family members. Most funeral plans allow enough members to cover most of your dependents.