Environmentally friendly funerals

Is it possible to have an environmentally friendly funeral?

With an increased concern (and quite rightly so!) on being environmentally friendly should we be considering how to plan an environmentally friendly funeral and is this possible?

In short…YES!

Now, to what extent you go to is entirely up to you, whether you take a few steps to be environmentally friendly or go the fully environmentally friendly.

Planning your funeral, and paying for it in advance, has so many benefits!

Not only does it mean that you get the funeral that YOU want but it also saves your loved ones a huge emotional burden as well as a financial one!

Having a funeral plan in place means that any unnecessary arguments are removed and your loved ones are content in the knowledge that they are giving you the send off that you wanted.

Here are just a few ideas for you to consider:

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Coffins

If you are choosing a burial, you may want to consider a coffin that is made from biodegradable materials to minimise the impact that your arrangements have on the environment.

An important consideration, if you are planning on being environmentally friendly, is the distance that your coffin has travelled and whether you want to choose a manufacturer that is local to you, to reduce this.

Some biodegradable materials that you may consider are:

    • Willow
    • Bamboo
    • Cardboard

An alternative option, if you would like a wooden coffin, is to choose a locally sourced wood such as:

  • Pine
  • Oak
  • Cherry

Another consideration may be to have no coffin at all. This (although this may be surprising to some!) is an option, if you would prefer to have a material shroud instead of a coffin, this is a great environmentally friendly alternative.

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Burial or Cremation?

Burial is a more environmentally friendly choice, as opposed to cremation, as it avoids the emissions of carbon monoxide, mercury and dioxin.

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Travelling

Considering the travelling arrangements of those attending your funeral may be important to you. Although, you may not have control over all those that attend, you can express your wishes (such as car sharing or electric cars to be used) and could also make arrangements for an electric hearse and funeral cars.

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Flowers

You may want to consider asking for flowers to be locally sourced and/or handpicked and to refrain from the use of packaging (or at least packaging that is not biodegradable).

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Memorial Location

Choosing a Memorial Location that is close to your loved ones could reduce travelling when your loved ones wants to visit.

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Funeral Stationery

Asking that minimal funeral stationery is used and using only recyclable paper is another environmentally friendly consideration.

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Carbon Offset Contribution

You may want to consider leaving a gift in your Will to the Woodland Trust or another Carbon Offset Scheme as a contribution towards offsetting your lifetime carbon footprint (this is currently estimated at £8,000). Of course, you can leave a donation of any amount that you feel is appropriate.

If you would like a FREE chat to discuss putting a
funeral plan in place, get in touch on
info@TotalLegacyCare.co.uk
or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

A WELCOME CHANGE: FCA to regulate prepaid Funeral Plans

A WELCOME CHANGE:
FCA to regulate prepaid Funeral Plans

The Government has recently announced their intention to regulate the prepaid Funeral Planning market and we could not be happier!

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This is a great step for the public as a whole. 

This is a result of enquiries by HM Treasury that have found some customers are being caused a detriment when dealing with the Funeral Planning sector. Although, it is clear that most of these examples given by HM Treasury, occurred in the section of the Funeral Planning market that is not regulated by the Funeral Planning Authority.

We would like to take this opportunity to reassure all of our lovely clients, that we have only ever used providers that ARE supervised by the Funeral Planning Authority when advising and arranging prepaid Funeral Plans.

We are pleased that the Funeral Planning market is going to be regulated and think that this will not only provide certainty and security for clients and customers but is also a step forward for all of us that work within this sector. Knowing that the products we advise upon and arrange are the right fit for our clients and they are fully informed is always a priority of ours and so nothing will change in terms of our practice but it will be good to know that others will have to follow suit and uphold a level of expertise in the area, ensuring security for all clients and customers.

It is not yet clear exactly how such regulation will take place but we will of course embrace the changes that we are keen to see take place in the near future and are looking forward to the market reputation increase.

If you have any questions about an existing Funeral Plan or want a chat about putting one in place, get in touch for a FREE consultation on 
Info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

What to do when a loved one dies…

What to do when a loved one dies...

Making the necessary arrangements after the death of a loved one is somewhat overwhelming and far from what we want to be doing. Below we have set out a few tips to set you in the right direction and always remember…you don’t need to do this alone!

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  • Register the death

Registering the death must be done within five days and in order to do so, you will need the Medical Certificate (stating the cause of death).

You should consider how many certified copies of the Death Certificate you may need, as these may be needed to close accounts, to access funds, liaise with companies, collect in the assets and to complete probate.

When registering the death you will also receive a Certificate for Burial or Cremation.

  • Look for the Will

The Will, if there is one, is a very important document and may well contain the funeral wishes of the deceased.

  • Look for documents in relation to medical research and organ donation

These wishes may be contained in the Will but may be elsewhere.

  • Arrange the funeral

As said above, the Will or a Letter of Wishes (often stored with the Will) may include the funeral wishes or the deceased may well have had a funeral plan (that may also have been pre-paid) in place.

A prearranged funeral can save a lot of emotional (not to mention, financial) burden, when the time comes!

  • Ensure the deceased’s home is secure

This is important but may not be necessary if the deceased was not living alone and, of course, will not be necessary, if the deceased lived in a residential, care or nursing home.

  • Ensure their possessions safe

Just as important as the home, is the deceased’s personal possessions. It may also be apt to consider whether the deceased had a gun licence, that needs attention (as well as the weapons themselves) and whether there are any pets that need taking care of.

  • Find insurance documentation and inform the insurer of the death

You will need to notify the insurance companies of the death and ensure that adequate home and contents insurance is in place

  • Inform the DWP Bereavement Service of the death
  • Inform the necessary government departments of the death (“Tell us once” service)

This service will save you from providing the same information to many authorities. You will also need to return the deceased’s Passport and Driving Licence.

  • Inform other companies / organisations of the death

This may well include the following:

    • Employer (if applicable)
    • Dentist / Podiatrist / Chiropodist / Health care etc.
    • Carers / Domestic or Residential Help / Cleaners etc.
    • Banks
    • Building Societies
    • National Savings
    • Insurance companies (Buildings / Contents / Car / Life etc.)
    • Pension providers
    • Credit card providers
    • Store card providers
    • Mortgage company / Landlord / Local Authority / Housing Association
    • Utility providers (Electric, Gas, Water, Telephone, TV, Internet, Broadband etc.)
  • Administer the Estate

After the above has been dealt with and the funeral has taken place will begin the process of administering the estate (often referred to as Probate) and this will include:

    • Obtaining a Grant of Probate or Letters of Administration
    • Collecting in and valuing assets
    • Distribution of possessions (in accordance with any Will)
    • Dealing with shares and investments
    • Selling property
    • Selling assets
    • Consideration and payment of debts and liabilities
    • Closing bank / building society accounts
    • Rehoming pets
    • Dealing with Inheritance Tax and Income Tax forms

As we have said, there is so much to consider and think about at such a difficult time but it is important to remember that you do not need to do it all alone!

If you would like to have a free chat about putting plans in place for yourself, or dealing with the loss of a loved one, please contact us on

info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

PLANNING… What are you waiting for?

PLANNING...

What are you waiting for?

We started the New Year by getting you think about all those grown-up things that are  on all of our to-do lists but many of us don’t get round to…that’s right, we are talking Wills, Powers of Attorney, Funeral Plans, Retirement and even dealing with the death of a loved one.

So, now that we have put all of our checklists and tips out there for you, we thought we would consolidate everything, in one place, to make things that little bit easier for you:

Let’s start at the beginning, New year, new resolutions, new you? Let’s getting planning…, when Neil gave an overview of exactly what we would be looking at over the course of our planning articles:

Here, Neil discusses exactly why he wanted to get a Funeral Plan in place and why his boys were such an important part of this decision.

A little checklist of considerations and points so that you can review your own Will and ensure that it is up to date and your wishes will be carried out when needed.

If you were in the unfortunate situation where you had lost capacity, whether that be temporarily or on a permanent basis, who would you want to make decisions for you?

Who would you trust to make the decisions that you would have if you had been able to?

As we know that being an Executor, although a privilege to be asked, can be a massive burden! We have set out a brief checklist of some of the things that an Executor should consider first when dealing with probate.

Just because saving for retirement is difficult, it doesn’t mean you should give up…Bobby Keer shares some great tips with us!

 

If you would like to have a free chat, please contact us on  info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Got a Question or want to book a FREE Consultation?

Valentine’s Day… What better gift to give your loved ones than peace of mind

Valentine's Day…

What better gift to give your loved ones than peace of mind

We are taking a little break from our weekly planning articles and checklists that are helping you to get all those important ‘grown-up’ jobs off of your to do list 😉 

This week we are talking about…Valentine’s Day.

So, hands up how many of us have forgotten to get our loved one a gift, or are at that stage where Valentine’s Day is just another day and gifts are a long distant memory?

Well, what about giving our loved one’s the gift of peace of mind?

What do we mean by peace of mind?

We set out below a couple of things that we know will help give you peace of mind as well as relieving the financial and emotional burden from your loved ones when the time comes:

  • Lasting Power of Attorney

Putting a Lasting Power of Attorney in place allows you to give the person you trust most the power and authority to make decision for you, in relation to you health & welfare and property & financial affairs, if you are unable to do so.

Giving your loved ones, as well as yourself, peace of mind that should anything happen and you are unable to make decisions (whether that be due to temporary or permanent loss of capacity or simply because you cannot be physically present where you are needed) that there is someone in place to take those decisions for you and make the decisions you would have, if you were able.

  • Will

Having a Will in place (and reviewing that Will!) will give you and your loved ones

peace of mind that when the worst happens all your wishes are written down and can be carried out as you intended.

  • Funeral Plan

Having a Funeral Plan in place means that you can not only take away the

financial burden from your loved ones by paying for your funeral in advance (whether in a lump sum or by instalments), you also remove the emotional burden as all your wishes will be written down and can be put into effect by the Funeral Director with minimal input from your loved ones at an already difficult time.

We have these in place as we understand just how important it is to be protected and we are more than happy to have a free chat with you too, no obligation – honestly!

If you would like to have a free chat about anything in this article, please contact us on  info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

Happy Valentine's Day!

Why I put a Funeral Plan in place…

Why I put a Funeral Plan
in place...

This week, in an attempt to get planning the ‘grown-up’ things from the ever-growing to-do list, we are focusing on Funeral Plans. So, I thought it may be easier for me to share with you, why I have decided to put my Funeral Plan in place…

I’ve recently turned 40 and have no plans to go anywhere any time soon, but we never know when our time is up. I have two sons and adore them both equally, but they are still young and both, in the nicest way possible, useless at organising anything (if it’s not for their benefit ;))

When my time is up, one of my boys will need to take control and plan my funeral. There are so many considerations when arranging a funeral, such as:

  • which Funeral Directors to use?
  • burial or cremation?
  • location?
  • transport?
  • viewings of the body?
  • Religious or humanist service?
  • what hymns and/or songs would you like played?
  • order of service?
  • obituary / readings?
  • flowers?
  • charitable donations?

Not only is this quite overwhelming, it may well be the case that they are unaware of what my wishes are and why would they?

This is not a conversation that most of us have, especially with our children, so they may be left guessing at what I would have wanted and this could cause disagreements between them that could have lasting effects.

I don’t want to put that emotional burden on my boys

So, who pays for it all too?

“Surely we’ll just go to dad’s bank and get the money out from there?”

It may not be that simple. Depending on the bank they may not release any funds until probate has been carried out – this could take anywhere between 6-12 months. There also may not be enough money in my bank at the time, so how do they pay for it? My children, or a loved one will need to stump up the money themselves, and unfortunately, the cost of a funeral runs into the thousands (£££!!!) (with funeral costs having risen 122% since 2004! – Cost of Dying Report – 2018 ).

I don’t want to put that financial burden on my boys

So, this is why I put a funeral plan in place.

We are linked to one of the most reputable pre-paid funeral providers in the country, so I knew everything I needed to know already. I took the option of the low cost monthly instalments and I barely notice it coming out of my bank account. All my wishes are listed, including my preferred funeral director and now, when the time comes, all my sons need to do is make one phone call to activate the plan.

The plan is locked in at the price of when I took the plan out as the money I pay is invested in unit trusts and bonds and is guaranteed to cover the cost of the funeral directors services.

For me personally, it’s one of the most valuable services we provide as we often plan for the future with Life Insurance, Wills and planning for Inheritance Tax but when the time comes, the funeral is the first thing that needs to be sorted and paid for.

We offer free consultations, lots of free information in articles, FAQs and videos on our website, so if you would like to chat more about saving your loved ones form the emotional and financial burden, please do get in touch.

If you would like more information or to discuss putting a funeral plan in place, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free, relaxed and considerate discussion on how we can help

Neil Barras-Smith

Got a Question or want to book a FREE Consultation?

New year, new resolutions, new you? Let’s getting planning…

New year, new resolutions, new you?
Let’s getting planning...

 

So, it’s the start of the New Year and we’ve said goodbye to another that’s passed. Last year may have been good, it may have been troubled and you may not have got round to ticking everything off that to-do list or kept last year’s resolutions…

 

Each week, we will be writing an article around the “grown up stuff” that should be planned for with useful information and free advice as always to help you to plan for your family’s future and keep on track (don’t worry we will keep them short, to the point and add a little element of fun where we can!).

 

We will be looking at:

 

  1. Funeral planning

    1. How to save your loved ones the emotional burden; and

    2. How to save loved ones the financial burden

 

  1. Wills & Trusts

    1. Planning for Inheritance Tax;

    2. Ensuring your money goes where you want it to;

    3. Guardians for your children;and

    4. Protecting your property against unwanted costs and taxes.

 

  1. Lasting Power of Attorney

    1. What is it and why is it important? and

    2. Who to choose as your Attorneys

 

  1. Probate

    1. What is the process and why is it important?

    2. How to get the help you need at such a difficult time;

    3. Why IHT forms are so important to complete correctly; and

    4. What are you liable for as an Executor?

 

  1. Pensions and investments

    1. Do you know how your pensions are performing?

    2. Are your investments working in the way you want them to or could they be placed elsewhere?

 

In all of our articles we aim to give you the information that you need in a simple and easy to understand format, to help you to make the decisions that you want to.

 

It seems that there is never enough hours in the day but let’s start the year on a positive and MAKE TIME to plan and get some of these things in place and off of your to-do list.

 

Check out our website for lots of free information or contact us for a free meeting.

Neil Barras-Smith

Got a Question or want to book a FREE Consultation?

The Grieving Process: Do we all go through the same process when dealing with the loss of a loved one?

The Grieving Process: Do we all go through the same process when dealing with the loss of a loved one?

It is often said that there are five stages of grief, as initially identified by psychiatrist Elizabeth Kubler-Ross. However, this was originally identified in relation to dealing with a terminal illness rather than the process that we go through when dealing with the loss of a loved one.

So, is the grieving process the same, regardless of what we are grieving? Are we really such simple beings, that such an awful time in our lives can be identified in a few simple stages experienced by all of us, no matter the circumstances?

It is highly unlikely, as individuals we are all complex beings and the grieving process is a tragic period that each of us will deal with differently.

Having considered, in-depth, the grieving process we set out below some of the stages that have been identified within the grieving process, how these are dealt with, or may present themselves and how these may be alleviated.

Five Stages of Grief or Seven Stages of Grief?

A good place to start may well be seen as the five stages highlighted by Elizabeth Kubler-Ross, however, the five stages of grief have been updated by a model of grief that has identified seven stages of grieving and whilst these are similar to those identified by Elizabeth Kubler-Ross and indeed combine some of those stages, they have expanded upon these.

The five stages highlighted by Elizabeth Kubler-Ross are:

  1. Denial;
  2. Anger;
  3. Bargaining;
  4. Depression; and
  5. Acceptance. 

In the model of grief that identifies seven stages of grieving these are recognised as:

  1. Shock and Denial;
  2. Pain and Guilt;
  3. Anger and Bargaining;
  4. Depression, Reflection and Loneliness
  5. The Upward Turn
  6. Reconstruction and Working Through
  7. Acceptance and Hope

Denial and Shock

The initial stage for many of us, when grieving, is likely to include some form of denial or sheer disbelief that the loss has happened or that the person is no longer around. This can sometimes be somewhat shocking and difficult to comprehend immediately, leading us into a stage of disbelief, shock and even denial that the death has taken place. It will of course, depend on the circumstances surrounding the death and whether the death was sudden and unexpected and so the element of denial may therefore be different and last longer in some situations than in others.

The initial stage of denial often allows us to cope with the necessities of day-to-day life and making plans as and when required, such as the immediate requirements following a death and making funeral arrangements. Denial is often seen as a mask used to cope and get through what we have to before the enormity of the situation fully hits us.

Pain and Guilt

As the initial stage of denial subsides, the enormity and sheer weight of the situation will descend upon us. Although difficult and painful, this is often seen as one of the most important stages to deal with, as it is important to deal with this pain and any guilt that may be felt rather than ignore it or avoid it. It is during this stage, although not exclusively, that many of us may be susceptible to unhelpful coping mechanisms such as alcohol or drugs.

The guilt associated with this stage may not be directly related to the death of the loved one, or even their cause of death, rather a guilt for things that were not said between you and the loved or things that were not done whilst the opportunity was there.

Anger and Bargaining

Anger can take many forms and there is no limit, and often no reasoning, to who this anger may be felt towards. Anger may be felt towards those around you, the professionals around at the end of the deceased’s life (such as doctors, nurses and healthcare professionals) or even towards your loved one that has passed away. The anger that is felt can last for varying lengths of time and will vary depending on who this is aimed at. This will be an extremely difficult period, as with all the stages, but especially for those around us who may well suffer as a result of our anger but feel helpless in alleviating the pain that is felt by us, or the root of such feelings. As with any pain and guilt it will be necessary to deal with any anger that is felt, rather than suppressing it, as dealing with the anger can help move us forward individually and help us consider those feelings that have been unearthed.

The bargaining stage is a stage that many of us go through, not just after the loss of a loved one but throughout our lives during difficult or traumatic periods, asking for just one thing, a temporary position or change, in return for some sort of bargain from ourselves, such as an offer of giving up anything for just one more conversation with that loved one or a bit more time. Bargaining may also take the form of questioning, such as “why was the illness not diagnosed sooner” or “what if I had have noticed a change more quickly”, “could I have changed the outcome”, this will all be necessary in dealing with the death of a loved one but can also bring with it pain, guilt and anger.

Depression, Reflection and Loneliness

Dealing with the loss of a loved one by feeling somewhat depressed, sad, down and low, is not a weakness, this is not something that should be hidden or disguised. It is most natural for us to suffer emotionally following the loss of a loved one and depression can take differing forms depending on the individual. Depression may well lead to unhelpful coping mechanisms such as excessive alcohol usage, drug use or dependence on prescription medication.

During this stage, as with any period of depression, it can last for varying lengths of time and may well demonstrate itself as a withdrawal from aspects of our usual day-to-day life and activities in favour of spending time alone to reflect. This may also lead to loneliness and a sense of being alone with no one that can understand the position we have found ourselves in.

The period of reflection, looking back on fond memories and even considering how we may be able to move on with our own life following such a loss is often entwined with the depression stage as such thoughts can cause more distress but will be necessary when dealing with the emotions and how we are able to process the death and eventually look ahead to dealing with the loss.

The Upward Turn

The Upward Turn may well seem like a distant vision that you can only dream to achieve when first dealing with the loss of a loved one, a vision that seems impossible to achieve or even imagine, but it will come. This will take time and the there is no right or wrong as to how long is too long, we are all individuals coping in our own way.

We will eventually begin to feel as though we can begin to process much of our own daily life without the heavy weight, or grey cloud, burdening our every moment.

Reconstruction and Working Through

This stage is not included within the five stages that were initially identified by Elizabeth Kubler-Ross but is seen as the stage in which we begin to become more present in our own lives, rather than just mindlessly struggling through (and in some cases, appearing to cope) and where we are able to deal with the loss of our loved one and find solutions to problems that we may be facing in our own lives, that we may well previously have relied upon the deceased loved one for help in resolving.

During this stage we will look to bring structure back into our own lives and begin resolving matters that we may well have been ignoring, or let slip, following the initial loss of our loved one.

Acceptance and Hope

This is not necessarily us being fine with the loss of our loved one or even us concluding that the death of our loved one was acceptable or necessary but rather entering a stage of acceptance of the events that have happened rather than remaining in a stage of denial.

This stage should allow us to feel some hope for the future and begin making plans for the future and as though we are able, or will be able to, enjoy future events and experiences without our loved one being there in person.

Having acceptance of the loss of our loved one, and hope for the future, does not mean that we move on and never again grieve for that person, but rather that we are in a better place to deal with our own life and circumstances. Although we may dip at times and feel low, we are able to be present again in our own life and have an acceptance of those tragic circumstances that we found ourselves in.

 

Help is at hand…

At the outset, we can often appear, to the outside world and even those that we are closest to, that we are coping (somewhat well!) with the situation and being practical and pragmatic in our approach to getting things sorted. However, this is often deceptive and, as set out above, we have not yet even begun to process the situation, just merely dealing with what is necessary before we can begin to unload and consider the circumstances that we are now in.

Although appearing fine, and in some circumstances, actually feeling as though we are in control and able to cope, we are not alone and do not have to take on the burden by ourselves.

Our family and loved ones can provide a great foundation and support network for us in bringing structure back into our own lives and helping us to cope and deal with the pressures of our usual life without our loved one.

Although many of us will be reliant on our loved ones throughout this period, whether that is in terms of our own emotional wellbeing or with the necessary tasks that need completing following a death, grief is traumatic for all those involved and your loved ones, who are there to support you, are likely to feel helpless at this time and unable to assist or alleviate your pain.

Seeking medical assistance from a healthcare professional or your GP, Nurse Practitioner or a Counsellor may also be necessary to talk through some of your feelings and your mental and emotional wellbeing.

There are also professionals that can help (whether that be bereavement counsellors, advisers, solicitors, probate professionals or other professionals) and alleviate some of the burden you may be feeling.

Keeping yourself busy at this time is a coping mechanism but this may well prolong the time in which this period lasts and so getting help, from whatever source you find best, can really help.

 

A relatable phrase that I have often read is:

Death is neither fair nor unfair, it is simply a reality.

 

This phrase is often worth remembering at a time where we are putting immense pressure on ourselves and feeling guilty for what has happened and trying to find someone to blame, find answers or make sense of the situation.

As set out previously, we all deal with experiences differently and so dealing with the death of a loved one and grieving is no different. Some of us may follow the five stages of grief, some of us the seven stages of grief and yet some of us may only experience one, or some, of those stages of grief. That doesn’t mean we are wrong, or that the models of grief are necessarily wrong, we are all humans, we do deal with situations differently, there is no one size fits all or one fix for all of us.

  

If you require any help or assistance we are always happy to have free initial consultation, please contact us on Info@TotalLegacyCare.co.uk or 01727 865 121.

 

This does not constitute medical, psychiatric or any advice and any opinions are of the writer’s. As stated each individual will deal with circumstances differently and should consult their own advice if required.

Leah Waller

Got a Question or want to book a FREE Consultation?

Why invest in a Funeral Plan?

Why invest in a
Funeral Plan?

A funeral plan is not a ‘just in case’ product, it’s a ‘definitely will need’ product. As blunt as it sounds, at some point all of us will die, an uncomfortable but unavoidable fact.

Having a funeral plan will help relieve your loved ones of both the financial and emotional burden of arranging your funeral when the time comes.

Would your loved ones know what your funeral wishes are?

  • Only 1% of people organising a funeral knew all of deceased’s wishes;
  • 18% did not know any of the deceased’s wishes;
  • 46% did not know if their loved one wanted cremated or buried;
  • 64% did not know whether to hold a religious or non-religious service.

(Cost of Dying Report – 2018)

 

There are so many considerations when arranging a funeral, such as:

  • burial or cremation?
  • location?
  • transport?
  • viewings of the body?
  • religious service?
  • what hymns and/or songs would you like played?
  • order of service?
  • obituary / readings?
  • flowers?
  • charitable donations?

A Funeral Plan will help to set out exactly what you want for your funeral and express your preferences so that when the time comes, your loved ones have one less concern and will be safe in the knowledge that your final wishes can be carried out.

Not only will a funeral plan help release the emotional burden from your loved ones but it will also relieve the financial burden (with funeral costs having risen 122% since 2004 – Cost of Dying Report – 2018 ) as the Funeral Director services that are included within your plan will already have been paid for.

When paying for your funeral plan, you pay the cost of a funeral at today’s value. This money is then placed in the trust or with a life insurance provider (depending on plan payment type) and will cover the cost of your Funeral Director services.

 

If you would like more information or to discuss putting a funeral plan in place, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free discussion on how we can help

Leah Waller

Got a Question or want to book a FREE Consultation?

Nursery Rhymes and Death…What is the connection?

Nursery Rhymes and Death... What is the connection?

So, why do we use nursery rhymes to talk about Death?!

It may seem like an unusual way to get our point across, but talking about death is always an uncomfortable conversation and so doing this through Nursery Rhymes has been a great way of getting people talking and encouraging them to plan for their families’ future!!

Nobody likes to think about death, as is evident by almost half the country not having a Will in place.  Without the right planning in place, things can go terribly wrong and you have no control over where your hard-earned money ends up! Unnecessary pressures and burdens can drive families apart and this is something that nobody would really want.

So what do we want…here are some of the main reasons why we want you to plan properly for your family’s future:

  • your money goes where we want it to;
  • children are looked after and guardians (that you choose) are put in place if needed;
  • to make it as simple as possible during a time of grief for your family to deal with your estate and assets;
  • can reduce Tax complications ensuring that as much of your hard-earned money goes where, and to who, you want it to;
  • to give you piece of mind, knowing that your family is planned for, should the worst happen.
  • if you Google Wills, Lasting Power of Attorney (LPAs), Funeral Plans or Probate, you’ll get a raft of very sombre looking pages, using stock photos of sad-looking elderly people or a dull video explaining why each is important. It’s depressing watching and reading through them and so no wonder the majority of people put it off, don’t act and fail to get the right measures in place.

We are very different here at TLC!!

We want people to feel relaxed talking about these subjects, understand the implications but know there are solutions and we always aim to put people at ease and answer any questions that they may have.  Talking about the ‘Elephant in the room’ is so important to plan for your family’s future, that’s why we take a different spin on things!

We love making videos to explain our world (and get our personalities across!). YouTube is the second largest search engine and therefore more people are looking to video for information – we don’t want to miss this opportunity.

Most people don’t like thinking about, let alone answering, the question “Who will look after my children if I die before they turn 18?” That is where we decided to use Nursery Rhymes to explain the  scenario in a way that, we hope, people can relate to.

So, what videos have we produced so far?

Jack & Jill

Possibly the most popular of all Nursery Rhymes.

In this short video, we explain:

  • what happens to your estate if there is no Will in place;
  • what happens to your estate, if you have a partner but are not married;
  • how a Will is used to carry out your wishes;
  • what happens if you remarry after the death of your former-spouse;
  • how a Will is void on marriage; and
  • how your children could receive nothing if not properly planned for.

 

Humpty Dumpty

Another classic Nursery Rhyme…with a twist.

We look at the loss of capacity and how a Lasting Power of Attorney (LPA) can really help. We look at some of the burdens and complications faced when there is no LPA is place and when there is no one that can act for you when you are unable to act for yourself due to a lack of capacity.

We explain:

  • how banks can freeze bank accounts if an account holder loses capacity;
  • how partners/family members have to find ways to pay bills, liabilities and maybe even healthcare on behalf of their loved one with no access to their accounts;
  • the different types of Lasting Power of Attorney;
  • the complications on deciding on healthcare; and
  • the authority to sell a loved one’s home.

Little old Women who lived in a shoe

This is the most delicate of subjects, talking about who we would want to be the Guardians of our children should we not be around.

In this video we explain:

  • what could happen to the children if your proposed guardians are not stated in a Will; and
  • how a simple Will could make life so much easier for your children and those you have left behind.

Although the videos are light hearted, this is done in a delicate way to ensure that we never sway away from how important our work is and, although we may make the videos fun, we are professional and knowledgeable within our field.

Neil Barras-Smith

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