Funeral Plan
#16
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Joined: Jun 2009
Location: Valencia area
Posts: 1,154
Re: Funeral Plan
We took out an insurance that states exactly what is covered (and what's not)
Suits us and can be cancelled after a year should options/things change, we started with a Mapfre policy but have now changed to a more competitive policy from elsewhere.
Suits us and can be cancelled after a year should options/things change, we started with a Mapfre policy but have now changed to a more competitive policy from elsewhere.
#17
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Re: Funeral Plan
My neighbour was just about surviving on a tiny UK Widow's Pension and what she paid into her Plan could have provided better nourishment and home comforts over the years. But she wanted to save her children from having to fork out.... Her reimbursed lump sum afforded her a better life before her children whisked her back to the UK.
#18
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Re: Funeral Plan
It depends on what your income is.
My neighbour was just about surviving on a tiny UK Widow's Pension and what she paid into her Plan could have provided better nourishment and home comforts over the years. But she wanted to save her children from having to fork out.... Her reimbursed lump sum afforded her a better life before her children whisked her back to the UK.
My neighbour was just about surviving on a tiny UK Widow's Pension and what she paid into her Plan could have provided better nourishment and home comforts over the years. But she wanted to save her children from having to fork out.... Her reimbursed lump sum afforded her a better life before her children whisked her back to the UK.
#19
Re: Funeral Plan
A friend used Golden Leaves for her mother's funeral a few years ago and it was just what she wanted. They also helped her out recently when her cousin was over from the UK on a visit and unexpectedly died without a plan which I thought was very good. Avalon and Golden Leaves are a pre-paid funeral not an insurance policy. We were with a local Spanish company paying insurance premiums each year which were going up and up and would have to continue to be paid each year no matter how long we live. It was also not transferable if we went back to the UK later in life so we thought this was a waste of money. After hearing about Golden Leaves we looked into pre-paid. We eventually went with Avalon as they arranged for them to be available in both the UK and Spain as though we spend time in each country (we did have to give a UK address for the UK end so used my sister-in-law's one). Apparently this would save on admin costs if we did move back. We are paying over a couple of years so the cost is a little higher (as we expected it would be) but once it is paid for all we have to do is produce the card for the relevant funeral place when one of us dies and it is all taken care of.
#20
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Re: Funeral Plan
Thanks for that very comprehensive and useful response. I must admit I thought Avalon had ceased and merged or been taken over by Golden Leaves. Avalon still have a website so this appears not to be the case. Perhaps I’m confusing this with something else.
Anyway, thanks again. Mulch appreciated.
Anyway, thanks again. Mulch appreciated.
#21
I still dont believe it..
Joined: Oct 2013
Location: 12 degrees north
Posts: 2,775
Re: Funeral Plan
Buy shares instead - and might i suggest a company called dignity - they own most of the ‘independant’ undertakers and as a company are profitable.... of just put 1k each into diageo, bat, unilever and fullers smith and turner, beer booze fags and crisps!
#22
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Joined: Feb 2008
Posts: 5,588
Re: Funeral Plan
From finance point of view no doubt correct but I think many are more concerned in the fact that all gets sorted and arranged when they are gone and not left to family left behind to sort out. Horses for courses as always.
#23
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Re: Funeral Plan
By the way if you are the deceased you are hardly going to profit from the income you made as there are no pockets in shrouds and no need for money where you are heading!
#24
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Re: Funeral Plan
I doubt the existence of successful share dividends will be of much emotional comfort to her and much reassurance to me.
#25
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Re: Funeral Plan
My concern is to leave my wife with the least possible worry and trauma concerning my funeral arrangements, bearing in mind the loss she will be feeling.
I doubt the existence of successful share dividends will be of much emotional comfort to her and much reassurance to me.
I doubt the existence of successful share dividends will be of much emotional comfort to her and much reassurance to me.
And that is exactly what you need to focus on. Your choice of course, and a personal choice at that. Can you manage enough Spanish to get things done properly? Some on this forum are really good speakers, so not a consideration / impact factor to them, but maybe for you. Do you have the 'wedge' to deposit large sums? Ask yourself, if the worse happened TOMORROW whilst in Spain, whats the best option for YOU and YOURS. This is not as aspect to speculate or corner cut, although I get the feeling from you that is not your outlook anyway. Sounds old fashioned but I have a duty to my wife and family to take the strain off when I peg it, no 'ifs or buts'. My plan (Meridiano) also incorporates Accidental death cover at 18000 euros and we both are covered for 22 euros per month total, all included, even flowers. In other words, two menu del dias. I am 60 now and will be 'out of pocket' contributions to costs wise by the time I am too old to give a cr*p anyway! Hey, if I peg it this week, we are in profit!
Expect the worse, plan for the best outcome that suits you and your circumstances. Whatever happens, do it soonest, finish it so you are both happy and then get on with your lives and living.
#26
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Re: Funeral Plan
And that is exactly what you need to focus on. Your choice of course, and a personal choice at that. Can you manage enough Spanish to get things done properly? Some on this forum are really good speakers, so not a consideration / impact factor to them, but maybe for you. Do you have the 'wedge' to deposit large sums? Ask yourself, if the worse happened TOMORROW whilst in Spain, whats the best option for YOU and YOURS. This is not as aspect to speculate or corner cut, although I get the feeling from you that is not your outlook anyway. Sounds old fashioned but I have a duty to my wife and family to take the strain off when I peg it, no 'ifs or buts'. My plan (Meridiano) also incorporates Accidental death cover at 18000 euros and we both are covered for 22 euros per month total, all included, even flowers. In other words, two menu del dias. I am 60 now and will be 'out of pocket' contributions to costs wise by the time I am too old to give a cr*p anyway! Hey, if I peg it this week, we are in profit!
Expect the worse, plan for the best outcome that suits you and your circumstances. Whatever happens, do it soonest, finish it so you are both happy and then get on with your lives and living.
Expect the worse, plan for the best outcome that suits you and your circumstances. Whatever happens, do it soonest, finish it so you are both happy and then get on with your lives and living.
#27
Re: Funeral Plan
Thanks for that, useful as have been your previous responses. Just one point, it’s not a question of whether I have enough Spanish to get things done properly. In our household I arrange everything and am responsible for most things including our online banking and other online matters. In addition, she does not drive, so if we or she has to go somewhere I have to drive us/her. Bearing all things in mind, I want to make the immediate necessary arrangements following my demise as easy for my wife to cope with as is possible.
It is so sensible to sort out all of the things that you possibly can whilst you are calm and collected about it rather than when there is an issue because you can be logical and not emotional. Too many people will not talk to each other about the emotive subject of death, funeral and life without the other half but it is so important. A list of who to contact, their contact details, when to do it, who needs a death certificate, who simply needs to be informed etc etc.
As a bereavement counsellor I cannot emphasize enough how important it is to be prepared because the vast majority of my clients have said that they did not know what to do, where to turn and that this had affected their grieving process in a very negative way.
Rosemary
#28
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Re: Funeral Plan
Thanks so much Rosemary. I know you have sadly been through this experience, so I value your comments greatly.
Thanks again.
Thanks again.
#29
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Re: Funeral Plan
Hola
One point I will make is that a friend, fluent in Spanish, lost her mother aged 70+ but was very happy not to have to speak Spanish and think about things that needed to be done.
She said that her mind just could not think of the right words due to the stress of her mother dying.
Davexf
One point I will make is that a friend, fluent in Spanish, lost her mother aged 70+ but was very happy not to have to speak Spanish and think about things that needed to be done.
She said that her mind just could not think of the right words due to the stress of her mother dying.
Davexf
#30
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Re: Funeral Plan
Hola
One point I will make is that a friend, fluent in Spanish, lost her mother aged 70+ but was very happy not to have to speak Spanish and think about things that needed to be done.
She said that her mind just could not think of the right words due to the stress of her mother dying.
Davexf
One point I will make is that a friend, fluent in Spanish, lost her mother aged 70+ but was very happy not to have to speak Spanish and think about things that needed to be done.
She said that her mind just could not think of the right words due to the stress of her mother dying.
Davexf