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Funeral Plans: Your Questions Answered
Author: Sharon Hurley Hall

It makes sense to plan your funeral in advance. Here are some of the areas you may be concerned about.

1. What happens if the funeral plan provider goes out of business?

While this is considered unlikely, monies paid by you for your funeral plan will be received in accordance with the code of conduct of the UK's National Association of Pre-paid Funeral Plans (NAPFP) and will be fully protected. The money for your funeral is held in a a trust - a separate legal entity - which is regularly audited by independent actuaries and accountants. So your funeral would still be carried out according to your guaranteed funeral plan and the funeral director would be paid from the trust fund.

2. What if I move home?

Your guarantee is simply relocated to another funeral director convenient to your new home. If you decide to live abroad, you may apply for a refund. If you move home, please notify your funeral plan provider as soon as possible so we can ensure all records are up to date.

3. What are the advantages of paying for my funeral now? Why not put the money into a savings account?

Once you have paid for a pre-paid funeral plan, you will never have to pay any more for the funeral director's costs no matter how much these costs may rise in the future. No savings account can provide such a guarantee. In recent years funeral expenses have increased in excess of inflation. So why not secure your funeral requirements at today's price and then use the remainder of your savings just how you want!

4. What happens if the designated funeral director ceases to trade?

Your funeral plan provider will make the same arrangements with another local funeral director.

5. Are there any age or health limitations on who can purchase a funeral plan?

No. And no. Simple as that.

6. What if I want to take out a plan for someone else?

No problem, as long as the plan is suitable and required by that person.

7. What about insurance based funeral plans?

They have several disadvantages. Principally they don't guarantee to cover funeral costs or allow you to specify the arrangements. Even if you are in reasonable health, you may well end up paying much more in premiums than the insurance company will ever pay out and the funeral would need to be paid for, often well before the insurance paid out.

8. What if I die away from home?

Each plan includes collection from within a specified distance. If you are travelling away from your local area additional costs may be incurred. If you travel abroad you should obtain travel insurance to cover all eventualities.

9. Do funeral plans include burial?

Nowadays, most people are cremated. Accordingly the cost of a burial plot is usually not included. However, should you wish to be buried your funeral plan provider will be pleased to discuss this with you, with a view to you purchasing a plot at a cemetery of your choice. The cost and availability of a plot varies considerably throughout the country. If you already have a burial plot please provide the funeral plan provider with the information.

About the author:

Sharon Hurley Hall is a freelance writer, ghostwriter and editor. For more information on prepaid funeral plans, visit Silver Birch Solutions. To contact Sharon, visit doublehdesign.com/

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Legal Wills In America - A Top Priority
For most of us, life is hectic and we often put important issues such as preparing a legal will on the back burner. It is not a topic that most people like to think about, but the reality of having a legal will is extremely important and should be made a top priority. Why are legal wills so important? Legal wills determine who controls your estate after your death and identify who will inherit your estate. If you die without a legal will (Intestate), the Court will appoint an administrator, and State law will determine who is entitled to your estate and the amounts they will receive. Wouldn't you rather take the time to choose an executor (trustee or personal representative) to be in charge of your estate? If you die, and your spouse is also deceased or unfit to act as the parent of your children, the Court will appoint someone to care for your kids. What if the appointed person is not an individual you would trust as the guardian for your children? Not...
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Death

Travolta, Preston share grief over son's death (The Toledo Blade)
FREEPORT, Bahamas - John Travolta said yesterday he and his wife Kelly Preston are "heartbroken" over the death of their chronically ill 16-year-old son, who collapsed at the family's vacation home on Grand Bahama. Police Superintendent Basil Rahming has said a caretaker found Jett Travolta unconscious in a bathroom late Friday morning and he was later pronounced dead at a Freeport hospital. ...

Star tells of grief after son's sudden death (Sydney Morning Herald)
John Travolta issues statement after the death of his son Jett ,16, during family holiday.

Prime Minister condoles Majumdar's death (New Kerala)
New Delhi, Jan 5 : Prime Minister Manmohan Singh today expressed deep grief over the death of former Tripura chief minister and senior Congress leader Sudhir Ranjan Majumdar.

'Heartbroken' Travolta speaks out for first time about son's death (New Kerala)
London, January 5 : 'Heartbroken' John Travolta and wife Jelly Preston have spoken of their grief on the death of their son Jett in their first public statement.

'Heartbroken' Travolta on son's death (The Times of India)
John Travolta and wife Jelly Preston have spoken of their grief on the death of their son Jett in their first public statement.

Banking in denial over death of Wall Street (eFinancial News)
Terrible thing, denial. As the investment banking industry mourns the sudden death of the Wall Street model, it is not surprising that many are locked in grief. But it is worrying that some are still stuck in denial about why it died and what it will mean for those left behind.

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