Yes most burial insurance policies can be cashed out at anytime before a persons death and then you can use the money for anything or for paying the cost of a funeral or cremation ahead of time to the funeral home.
Burial Policies build cash value overtime so you can usually cash out and get your money returned to you in full before death.
Look over the insurance terms and conditions though to see when and how you can cash out on your burial insurance policy but most do allow you to cash out on the burial insurance policies without any penalties.