3 Unusual Ways to Scatter Your Ashes after Cremation

3 Unusual Ways to Scatter Your Ashes after Cremation

We know that many of our clients don’t like talking about death and when we ask if they have any wishes for the funeral or their ashes, following their cremation, we are often met with the response…

“I don’t care, I won’t be here!!”.

Now, we can’t argue with that! However, there may be something you really want (in which case make sure your loved ones know!) or you may be looking for something a little bit different.

So, here are just a few ideas for those of you looking for something a little unusual…

Being planted in a Biodegradable Urn to become a Tree

The Biodegradable Urns are made up of two capsules, one to hold your ashes and the other to hold the seed of your tree of choice.

Following your passing and cremation, your ashes are added to the Biodegradable Urn with the seed of your tree of choice and plated.

This allows your ashes to become part of nature as the tree grows and leaves a lasting physical memory for your loved ones.

Scattering your ashes in space

Your ashes can now be sent, via Aura Flights, to the very edge of space. The memorial package offers a launch from just outside Sheffield that can be attended by family, friends and loved ones. Your ashes will be placed in a scattering vessel and carried around the world on stratospheric winds, encircling the globe and joining with the Earth’s atmosphere over the following weeks and months before finally returning to Earth in raindrops and snowflakes.

A live video can be set up of the launch, for those that are unable to attend,

When the launch is complete, your loved ones will receive a memorial video and flight certificate with details of the launch.

Becoming part of a Memorial Reef

Your ashes could be placed into a Solace Stone and transported to an artificial Reef Sanctuary. This can be done in a memorial ceremony with up to 12 loved ones. Once complete your loved ones will receive a certificate of placement.

The Solace Stone encapsulating your ashes will become part of the Reef’s future growth and be home to a haven of marine life.

We are not affiliated with any of the companies that offer the above services but we do think it is important that our clients are aware of all the options that are available to them. It is important that your loved ones know exactly what you want to happen following your passing and we are always happy to help, whatever the request!

If you do have specific wishes, we would always recommend that these are included within your Will but please ensure that your loved ones are aware…sometimes the Will isn’t read until the funeral arrangements have already taken place.

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

Leah Waller

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want to book a 

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Funeral Plans: The Basics

Funeral Plans:
The Basics

We thought we would go back to the basics and answer some of the questions we get asked:

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What is a Funeral Plan?

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Why do I need a Funeral Plan?

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Can’t the money that I leave be used to pay for my funeral?

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Why is a Funeral Plan important?

So, let’s get going…

What is a Funeral Plan?

At the risk of sounding patronising, a Funeral Plan is exactly that…a prepaid plan for your own Funeral.

This means that you can pay for your Funeral now (at today’s prices, rather than the cost of a Funeral when the time comes!) and be safe in the knowledge that your loved ones haven’t got to find the money to pay for it whilst waiting for your Estate to be administered or for your money to be released.

A Funeral Plan can be as basic or as detailed as you like and can consider anything from the location, burial/cremation, cars, funeral directors, flowers and even music.

Why do I need a Funeral Plan?

If one thing is guaranteed, it is that all of us are going to pass at some time (we just don’t know when!) and so having a Funeral Plan is something that all of us could benefit from.

When you pass, your family or loved ones may have to find the money to pay for your funeral before your own funds can be released from your Estate. A Funeral Plan can save your family the worry and expense of arranging a funeral, and help make things easier at what is already a very difficult time. 

When the time comes, one phone call to the funeral director that you have already chosen, is all that is needed to activate the plan.

Can’t the money that I leave be used to pay for my funeral?

As we have said above, it is not always that straight forward.

When you pass, your bank accounts, pensions, and assets are frozen and in most cases will only be released upon receipt, by the bank or institution, of a Grant of Probate (or Letter of Administration if you die without a Will). This could mean that those arranging your Funeral are left having to foot the bill until they can be reimbursed by your Estate. With the average cost of funerals steadily rising year on year, this is an additional burden that your loved ones could really do without.

Why is a Funeral Plan important?

Well, I think we have covered this above but if you are still wondering whether a Funeral Plan is right for you, why not contact us for a free chat – absolutely no obligation and if you don’t want us to follow you up that is absolutely fine, it is all in your control.

Setting up a Funeral Plan is straightforward, there are different payment options; you can pay all of it upfront, over one-year with 0% interest, or over a number of years.

 

Having a Funeral Plan in places gives you peace of mind knowing that your loved ones haven’t got the burden of arranging or paying for your funeral and that all of your wishes are catered for.

If you would like to have a free chat about putting a Funeral Plan in place, or have any questions, please contact us on info@TotalLegacyCare.co.uk or 01727 865 121

Leah Waller

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want to book a 

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What happens if I die in the UK but want my body to return to my home country?

What happens if I die in the UK but want my body to return to my home country?

Last time we had a look at what happens if you die abroad and want your body to be returned to the UK

Today, we take a brief look at what happens to those individuals that die in the UK but want to be repatriated to their home country.

Where a death occurs in the UK, registration of that death must take place within the UK (as registration of a death in the UK is compulsory where the death occurred in the UK). 

For foreign residents in the UK, permission must be sought from the Coroner for repatriation to take place. Your family (or the person dealing with your death) may also need to register the death with the Consulate abroad too, especially where you are wanting your body to be returned to that country.

In order to be returned to your home country, following death, the body must be embalmed and laid to rest in a special coffin. It will also be necessary for the Embalmer, the Coroner, Medical Staff and Environmental Health to complete all of the necessary paperwork before repatriation can take place.

If you have any questions or would like to consider planning for your future, by putting a Will, Lasting Power of Attorney or a Funeral Plan in place, please call us on 01727 865121 or drop us an email Info@TotalLegacyCare.co.uk 

Leah Waller

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want to book a 

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What happens if I die abroad but want my body returned to the UK?

What happens if I die abroad but want my body returned to the UK?

Predicting the place, date and time of our death is near on impossible and so it is not unusual for a death to take place outside of the UK and needing the body to be returned for the Funeral and Burial or Cremation.

COSTS are a top concern when trying to get a body returned to the UK, following a death, and in some circumstances this may be covered by travel insurance but in other cases you may well be responsible for paying this. These costs can be extremely expensive and so when using a repatriation service it is very important to have an itemised quotation of exactly what services are included for what you are paying.

Practically though, what steps do you need to take?

You will need to obtain a Death Certificate for the individual from the country in which the death occurred and this will also need to be accompanied by a certified English translation (the British Consulate can assist with this). You will also require a certificate of embalming and permission to remove the deceased’s body from the country of death, again, the British Consulate will be able to assist with this.

The embalming certificate will need to confirm that the correct process has taken place and that the body has been embalmed and placed in a zinc-lined coffin ready for transportation back to the UK.

You may also find it useful to register the death with the British Consulate in the country where the death occurred and a UK Death Certificate may be obtained however, there may be an additional charge for this and this is not compulsory where you can obtain a certified English translation of the original Death Certificate.

Once you have all of the necessary paperwork and documentation you can then make arrangements for the body to be returned to the UK and again, the British consulate can advise as to Funeral Directors that can assist with this.

You will still need to contract the Register Office in the area that the funeral is taking place and confirm that the death has been registered abroad. You will then obtain a Certificate of no liability to register allowing the Funeral to proceed.

Alternatively, you may wish for a cremation to take place in the country that the death occurred in and for your ashes to be returned to the UK. This is possible, however, each country has their own rules in relation to transporting human ashes out of their country and so it is important to obtain advice from the British Consulate for that country in order that you can adhere to these.

If the cause of death was unknown then the Coroner may be involved and will hold an Inquest in the UK. However, it will not be possible to have the body cremated abroad where the cause of death is unknown and where an inquest is required upon return to the UK.

If you have any questions or would like to consider planning for your future, by putting a Will, Lasting Power of Attorney or a Funeral Plan in place, please call us on 01727 865121 or drop us an email Info@TotalLegacyCare.co.uk

Leah Waller

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want to book a 

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There are two certainties in life…

There are two certainties in life…

Benjamin Franklin is famous for stating:

...in this world nothing can be said to be certain, except death and taxes.

Now, we are only too aware that many people don’t want to talk about death, let alone their own or that of a loved one BUT this leaves a heavy burden on your surviving loved ones upon your death, not only emotionally but possibly even financially.

When getting sorted for when the time comes, one thing that we cannot recommend highly enough is a FUNERAL PLAN.

Putting a Funeral Plan in place gives you the peace of mind that your Funeral is organised, how you want and (most importantly, for many!) the Funeral Director services are paid for in advance.

This not only has the benefit of putting your mind at ease but also takes the financial burden off of your loved one at what is already a difficult time.

We set out below a table of the average cost of a Funeral throughout the years, as well as the predicted costs for 2020 and 2023, and you will see just how much those costs are increasing. It doesn’t take a genius to see that these increases are far above those of inflation!

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Putting a Funeral Plan in place guarantees that all of the Funeral Directors service costs are covered and takes away the stress of putting the arrangements in place as this can all be done with a call to activate the plan.

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

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Direct Cremation

Direct Cremation

Let’s face it, the majority of us want to avoid talking about Funerals, let alone our own!

However, if we really think about it, there are probably a few things we would like and so it is important to get out wishes down whilst we can.

The expense of a Funeral can be a large burden on our nearest and dearest at an awful time and with so many possibilities and considerations, the choices really can be endless.

So, one option is Direct Cremation but what is that, what does it involve and why should you consider it?

We take a look below…

A Direct Cremation takes place without a Funeral Service and most Funeral Directors will now offer this in addition to the traditional Funeral Service options.

A Direct Cremation can benefit those that are looking to keep costs down as well as those with few or no family. As we know, the costs of Funeral can be high and, if not planned for in advance, can leave a heavy strain on your loved ones. A Direct Cremation can also save money on an expensive coffin as there will be no Funeral Ceremony and so no procession.

This type of Cremation is also of benefit for those that do not want a big fuss, or service or would prefer their family and friends to have an alternative celebration away from the actual Funeral Service. Some may leave monies or wishes in relation to holidays, experiences or the like for their family to enjoy in their memory rather than a formal and traditional Funeral Service.

However, some of the possible downsides that you may want to consider are…

When a Direct Cremation takes place, as there is no Funeral Service this does mean that there is nothing for family or friends to attend or leave flowers at and there will be no opportunity (at a Service) for readings or eulogies. There is also no opportunity for viewing on a Chapel of Rest and no choice as to the time and place of the Cremation as this is scheduled by the Funeral Director as no one is able to attend.

Thus, although a Direct Cremation may seem like a good idea for you, and may be preferential in terms of costs, it may be worth considering any friends and families and how they may want to celebrate your life following your death.

As we said at the beginning, talking about Funerals is not a subject that any of us really enjoy.

We outline some of the other potential considerations in our article: What to consider when planning a Funeral

If you have any questions or want 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

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

Starting a conversation about the ‘Elephant in the Room’

Starting a conversation about the ‘Elephant in the Room’

With over 30million people in the UK without a Will, there are so many reasons that it is one of those things that gets put off, moves down the ‘To-Do List’ and sometimes just never ever gets done BUT it doesn’t have to be the difficult conversation that many expect!

Many of us put off making a Will because we don’t want to tempt fate or presume that those we want to take care of will be able to inherit our assets anyway but that isn’t always the case.

Where there is no Will, the Rules of Intestacy kick in and this means that you lose control over who you would want to inherit and this is chosen for you…

So, if you are one of those 30million that have been putting off making a Will, or have a Will that may need updating, why not take a look at some of these considerations…

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Who do you want to inherit your Estate?

We all would like to think we are immortal, right?

Unfortunately, that isn’t the case and so we should have consideration for who we would want to benefit from everything we have worked hard for, when we are no longer around.

This will depend on your circumstances and is likely to change at different stages of your life, depending on your relationships, children, grandchildren, nieces and nephews, perhaps even godchildren or second marriages.

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Estate Valuation

The value of your Estate is calculated by totalling everything that you possess, own or have an interest in at the date of your death (this will include property – residential, buy-to-lets, commercial and holiday homes), money, bank accounts, savings, ISAs, Stocks & Shares, Cars, Jewellery and personal possessions.

Any liabilities or debts will then be deducted from this total, including mortgages, loans, utility bills, credit cards plus any funeral expenses.

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Inheritance Tax

If your Estate valuation totals more than £325,000 then you may have an Inheritance Tax Liability. However, there are other reliefs available including relief if you are leaving your residential property to direct descendants, if you have any business assets and if you are married or in a civil partnership and leaving your estate to your spouse or civil partner. It is worthwhile seeking advice from a professional in order to ensure you are taking advantage of all the reliefs that may be available to you.

There may also be other options available to you, depending on your Estate Valuation, your income and projected needs over your lifetime, in terms of Trusts and Financial planning to reduce any Inheritance Tax liability, again it is worthwhile seeking expert advice in relation to this.

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Gifting

You may well benefit from making gifts during your lifetime, but this may not be possible for everyone.

Once you have a better idea of your Estate Valuation, who you want to benefit from your Estate upon your passing and whether you have any Inheritance Tax Liability, you may want to consider whether you could benefit from making gifts during your lifetime.

Each of us is able to make gifts of £3,000 each year without attracting any Inheritance Tax liability (and we can carry this over for one-year too!).

However, any gifts that exceed this may still be liable for Inheritance Tax if made within seven years of your death…again, we would recommend seeking professional advice if you are considering making gifts during your lifetime.

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Wishes

Do your loved ones know what your plans are for the future, do you have certain expectations in relation to your later life care (this could be dealt with in a Lasting Power of Attorney) or perhaps even your funeral?

You may even want to give gifts in your Will with a condition attached (upon reaching a certain age, to be used for certain circumstances or only to be received upon meeting a condition).

Setting these out can be really helpful, not only in giving you peace of mind but also in preventing any unnecessary arguments or disputes when you are no longer around.

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Charities

Another consideration that may be worth thinking about, is whether you would like to leave anything to Charity upon your passing.

If you are leaving 10% or more of your Estate to a Charity then your Inheritance Tax Liability will be reduced from 40% to 36%.

We are always happy to have a free chat to answer any questions that you may have, offer advice or help you to put something in place.

If you have any questions or would like to discuss putting a Will in place, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free consultation

Leah Waller

Have a Question or
want to book a 

FREE Consultation?
 

What is Inheritance Tax and how can I reduce it?

What is Inheritance Tax and how can I reduce it?

Most of us will pay taxes for a large proportion of our lives and then still leave our loved ones with a tax bill to pay upon our death for Inheritance Tax…it doesn’t seem fair does it?

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So what exactly is Inheritance Tax? When is it payable and is there anything that you can do to reduce your Inheritance Tax bill?

Let’s take a look…

Inheritance Tax only becomes payable on death and is calculated taking into consideration the value of everything that you own at the date of your death and including any gifts that you made within the seven years prior to your death. Any debts or liabilities that you have at the date of your death will be deducted from the value of your assets and this final balance is what is used to calculate whether any Inheritance Tax is payable.

If you are leaving your assets (property, money, personal possessions etc.) to your spouse or civil partner then this will be exempt from Inheritance Tax, as are any gifts made to Charities.

However, anything left to children or anyone else will be subject to Inheritance Tax where the value exceed the Inheritance Tax Threshold.

The Inheritance Tax Threshold is currently set at £325,000 per person and an additional £150,000 can be claimed if you are passing your residential property to a direct descendent (children / grandchildren), this is termed the Residential Nil Rate Band. The figure of £150,000 is set to rise to £175,000 in April of 2020 meaning that each person will have £500,000 before having to pay Inheritance Tax. This is also transferable between spouses and civil partners, meaning that if you pass everything to your spouse or civil partner upon your death then no Inheritance Tax will be payable and from 2020 (if both your death and your spouse/civil partner passes after April 2020) then your Estate can total £1million before any Inheritance Tax is payable.

If your estate is worth more than £2million then you lose the right to claim all of the Residential Nil Rate Band, thus for every £2 over the £2million valuation, you will lose £1 of the Residential Nil Rate Band.

Inheritance Tax is payable at 40% of anything above the Inheritance Tax Threshold (or Nil Rate Band).

If you are leaving 10% or more of your Estate to Charity (whether one or multiple Charities) then your rate of Inheritance Tax will be reduced to 36%.

Now, we mentioned above that any gifts made in the seven years prior to your death will be taken into account when calculating the value of your Estate. HOWEVER, if these gifts were made from surplus income then they do not need to be taken into account when calculating your Inheritance Tax liability. We all benefit from a £3,000 allowance each year which we are able to gift before Inheritance Tax become payable and so it may well be important to consider this when assessing the value of a deceased loved one’s Estate.

There may be other exemptions on gifts that you can benefit from such as gifts on marriage, you can find out more about this in our article – Inheritance Tax: What can be done to reduce your exposure? 

Another consideration that we would always advise looking at is putting your property into a Trust, meaning that upon their death the property passes to whoever they want it to (perhaps their children, grandchildren, nieces or nephews) but their spouse is entitled to benefit from the property and live there until their death or until they remarry (if this happens). This not only has the benefit of protecting the property for your intended beneficiary but also protects you and your spouse if the property is valued in relation to Care Fees as the share in Trust will not be taken into consideration.

As always, we would always recommend reviewing your Will regularly to ensure that it still does exactly what you want it to and that you have considered possible benefits and exemptions that you could benefit from.

Check out our article – Inheritance Tax: What can be done to reduce your exposure? For more information on reducing your Inheritance Tax liability.

If you would like to discuss your Inheritance Tax liability, or putting a Will in place, call us on 01727 865 121 or email us at info@TotalLegacyCare.co.uk for a free consultation

Leah Waller

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want to book a 

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What to consider when planning a Funeral

What to consider when planning a Funeral

Is there anyone that really wants to discuss planning their funeral…maybe a few but the majority of us avoid it like, well, the plague!

However, if we really think about it, there are probably a few things we would like and things we would definitely NOT want at our funeral but we won’t be there to help with the planning so it is important to get out wishes down whilst we can.

Putting a funeral plan in place allow you to not only get your funeral wishes document but also to pay for your funeral directors fees in advance removing that burden from your loved ones when the time comes.

After the death of a loved one the last thing our relatives need is the added stress, anxiety and arguments caused by deciding exactly what we would have wanted…a funeral plan can remove all of that. Unfortunately, arguments over what we may have wanted could cause divides within our family and this is something none of us want! 

So, a funeral is a funeral right? What is there to think about?

Below we have listed a few things that you may want to consider when putting your funeral wishes in place:

Cremation or Burial?

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Cremation

Following the ceremony and cremation itself the remaining ashes can be given to a loved one to keep or scatter as they wish or as you direct in your funeral wishes.

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Direct Cremation

If you opt for a Direct Cremation then your body is taken from the funeral director to the crematorium and the cremation takes place without a service, this means that there will be no friends or family in attendance. The ashes can still be collected by a loved one to keep or scatter as they wish or as you direct in your funeral wishes.

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Traditional Burial

A traditional burial will mean that your body and coffin will be buried in a grave, usually at a cemetery or churchyard. If you would prefer to be buried, enquiries into a burial plot and reserving your plot may be required and this is something that is best to look into beforehand.

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Natural or Woodland Burial

Having a burial at a Natural or Woodland burial grounds is becoming ever more popular. With a Natural or Woodland burial is allowed to decompose in an environmentally friendly manner and the coffins are biodegradable.

If I am cremated, what happens to the ashes?

Possible options for your ashes following a cremation include:

  • Scattering at a favourite or memorable place;
  • Scattering at a memorial garden
  • Scattering at sea
  • A loved one keeping them in an urn
  • Burying with passed loved ones
  • Having them made into a keepsake (jewellery, art etc.)

What about the type of Coffin?

The type of coffin may not be important to you but some may want to take a traditional approach or a much more environmentally friendly approach and so the choice of coffin may well be important. Some options include:

  • Wooden (traditional)
  • Cardboard (could be personalised with photographs)
  • Wicker
  • Wool (biodegradable)

Religious or Non-Religious Ceremony?

This will very much depend on you as an individual and your beliefs. This may also depend on whether you would like a loved one or friend to conduct the ceremony for you or whether you would like a Celebrant (Church Minister, Civil Celebrant or Humanist Officiant) to do this.

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Religious Ceremony

If you are religious you may well choose a religious ceremony and can also include your favourite hymns, prayers or readings.

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Humanist Ceremony

A humanist ceremony does not include any religious content and will be 

focused on celebrating your life and experiences. These ceremonies can 

include poems, music and readings and you can also choose to have loved one’s speak in addition to the Humanist Officiant.

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Civil Service

A civil service is often seen as the compromise between a religious and 

humanist ceremony, offering a service that looks at the life of the individual and includes some religious content.

These ceremonies can include poems, music and readings as well as hymns and prayers.

How will you be transported to the crematorium or place of burial?

Some options, whether opting for something traditional or a little different, include:

  • Hearse (traditional)
  • Eco-Hearse (electric and so environmentally friendly)
  • Vintage Hearse
  • Motorcycle
  • Trike
  • Horse-Drawn Hearse

Flowers

It is completely up to you whether you would like flowers at your funeral, and if 

you do what flowers you would like.

If you would prefer that flowers were not used or instead donations were made to a preferred charity or cause then this could be included within your funeral plan and wishes.

This is by no means an exhaustive list but may give you a few things to think about if you are considering putting a funeral plan in place and removing all these decisions from your loved ones at what will already be a very difficult time for them.

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

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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?