In September 2011 the MILK team partnered with MAPFRE Colombia in Bogota to study how policyholders and non-policyholders of MAPFRE’s CODENSA “Seguro Exequial” funeral insurance policy cope financially with the death of a family member. We implemented MILK’s Client Math methodology to better understand the financial tools available to and used by those with and without insurance and to conduct a quantitative assessment of the plausible gains to having insurance.