Posted by Tony O’Shea, Funeral Planning & Life Insurance Expert
Talking about your funeral with your family is not easy, and they will understandably find it difficult to imagine life without you. However, it is a good idea to inform them of any funeral plan arrangements you have made to ensure their stress is limited when the time comes. Here are our recommendations of 5 things you should tell your family about your funeral plan.
Of course, having discussions with your family about your funeral plans will always be difficult, but research has shown that those who put off this conversation often leave their loved ones with difficult decisions to make at an already stressful and upsetting time. Explaining that you have put a funeral plan in place to ensure they don’t have to make any difficult decisions or pay any unexpected costs when you pass will make them feel more positive about the conversation, more prepared for the future, and appreciative that you have considered their feelings.
The level of detail that your funeral plan goes into is completely up to you, so whether you feel a little overwhelmed at the thought of planning your own funeral, you can of course just make a few key decisions. Regardless of what plan you opt for, make sure you share with your loved ones whether you want to be buried or cremated, as well as any other ideas you have about your funeral or memorial. This is also an opportunity to gather some ideas from the people who know you the best.
There are different levels of funeral plans available depending on how much you spend. It is important that both you and your loved ones know exactly will already be paid for. For example, funeral plans can cover Funeral Director costs, a coffin, a church service and viewings of the deceased. However, extras such as flowers, catering, a headstone and crematorium costs are not typically included.
When you arrange your funeral plan, you can choose how you pay for it. You can make a single payment or spread the cost over a number of months or years. Let your loved ones know how you are intending to pay for your cover and make sure you know what will happen if you pass before you have paid for your plan. In some cases, your representative will need to pay the rest of the balance but in others, no balance will be collected so long as all previous payments have been made. Whichever is stated in the plan you choose, make sure you communicate this to your family and friends.
Communicating the details of your funeral plan is really important – even if you make all the necessary arrangements and detail your wishes in your Will, the Will is often not read until after the funeral services. Make sure your family know that you have a prepaid funeral plan in place, and that they have copies of the important paperwork along with any contact details. It is also a good idea to keep your own paperwork together in one safe place and notify your family and friends exactly where it is.
Arranging a prepaid funeral plan will not only protect you against rising funeral costs but will also provide both you and your family with peace of mind. A funeral plan allows you to have complete knowledge that everything is taken care of, and your wishes are carried out just as you request.
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If you are considering a funeral plan, you might also be interested in Will writing.
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In the meantime, why not head over to our Wills section? It can provide you details regarding types of Wills and what to include in a Will.