Burial Insurance and Information’s

End? No, the journey doesn’t end here. Death is just another path, one that we all must take.”—J.R.R. Tolkien, The Return of the King

funeral planing

Nobody wants to think about their final goodbye. But you can make things easier for the people you leave behind by planning ahead and paying in advance for your funeral. We know this is an emotional subject but if you’re visiting this site for information on burial insurance, then we are pleased to offer our help and advice.

By pre-planning your funeral and by clearly outlining your wishes, your loved ones are released from the burden of having to make those detailed and tough decisions at a time when thinking clearly is at its most challenging.

The details are dealt with, from the type of service you desire, the type of burial, disposal of your remains, the type of memorial you want and even style of casket, and it’s all paid for.

When you have to sit in front of a funeral director days or even hours after bereavement, those choices can seem endless and impossible, not to mention expensive. Stress and emotion can contribute to traumatic debates among family members about the options available. Wouldn’t it be wonderful to negate the burden of second-guessing your wishes?

What type of plan do I need?

The first thing to be aware of is that funeral or burial insurance is not life insurance. With funeral insurance, you are just paying for the major funeral expenses in advance. A plan is designed only to make financial provision for the costs of your final farewell, not to pay out money to any beneficiaries.

Also, funeral or burial insurance is not a “whole life” policy. It does not expire during your lifetime, it is there until you die. A “whole life” type policy carries a risk of lapsing before you die, meaning that it won’t pay out to your family after your death.

A funeral insurance policy can be paid for as a lump sum or paid via installments over a period of time.

What to look for when buying a funeral plan

Here’s a checklist of key things to think about when choosing a funeral plan:-

  • Can the policy be paid for as a lump sum or via monthly installments?
  • If by monthly installments, how long for and are there any interest charges?
  • Are there any cancellation charges?
  • Does the plan allow you to choose a funeral director? What if your chosen company goes out of business?
  • What’s included in the plan and how will any additional costs be covered?
  • What freedom do you have to change the details of your plan?

Next steps

If you do take out a funeral plan then make sure a written record of the plan is kept in a safe place, e.g. with your copy of your will. And make sure your next of kin knows about your plan.

But whatever your needs, we are here to help you.

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Funeral Planning Guide and Insurance
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Funeral Planning Guide and Insurance
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Nobody wants to think about their final goodbye. But you can make things easier for the people you leave behind by planning ahead and paying in advance for your funeral. We know this is an emotional subject but if you’re visiting this site for information on funeral insurance or burial insurance, then we are pleased to offer our help and advice.
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FuneralBase
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