subject: Preparing For The Inevitable [print this page] Nothing is certain except death and taxesNothing is certain except death and taxes. Unfortunately, at least half of that well-worn declaration is beyond dispute. Death may not be a pleasant topic to dwell on, but it is an inevitable part of life. By preparing for the inevitable now, it is possible to minimise the logistical and financial burden of dealing with the death of a loved one and ensure that funeral and other arrangements are conducted with dignity.
A dignified burial honours the deceased. Perhaps more important, it helps family and friends come to terms with their loss. This is an important consideration when deciding potential funeral arrangements for oneself.
However modest your personal wishes may be, consideration should also be taken for the needs of your loved ones when you die. The funeral service, tombstone and memorial ceremony should not be considered a testament to the vanity of the deceased. These services have a powerful symbolic value that can help console mourners.
Financial considerations
The fact is that a decent funeral is expensive. On top of wanting to provide for your family when you die, it is sensible to take specific measures to provide the money and resources to pay for a funeral. This is because funds from your estate may not be immediately available, even if your finances are in order.
A funeral insurance policy will generally pay out an immediate cash sum that can be used to pay for a funeral and related expenses. This offers two important benefits: the funds can be used to pay for a properly dignified ceremony, and it alleviates anxieties about raising money at an already stressful time.
Some funeral insurance comes with the option of additional benefits, such as access to a car or a monthly allowance to pay for groceries and other necessities. It is a good idea to discuss these options with an insurance broker to decide on the level of funeral cover that is appropriate for you and your family.
Have a plan
Planning for a funeral is not only about securing adequate funds. To ensure the ceremony runs as smoothly as possible, with minimal hassle, it is a good idea to have some understanding of the process.
Many arrangements will be determined by religious or social considerations, but there are still a number of variables. Choosing a funeral home beforehand will save you or your family from having to make time-consuming decisions when it is least appropriate.
If it is possible, choose the religious leader or other suitable person who will lead the service beforehand. This will not only minimise the hassle, it will guarantee that the service is conducted in the manner which you consider fitting.
One of the most important planning measures is also relatively simple. Write a will. A will is important, even if your finances are in order or your wishes are straightforward. It will remove any confusion and prevent disputes. A will can also ensure the estate is processed smoothly. Neglecting to leave at least a basic will is irresponsible. A simple will can be completed at no great expense without the assistance of a lawyer.
