How I avoided leaving a burden on my children 114



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Editor’s note: here at Starts at 60 we prefer to speak about life and staying active in our 60s, but we accept our bloggers right to write about whatever they like, including funerals.

In 2013, I explored the funeral options and the costs. I do not want my children to have to deal with this. Funeral insurances are costly and some seem to never end and then this is not likely to cover costs.

Prepaid funerals also do not secure a fully paid funeral either and I’ve quickly learnt that funeral plans can be really costly.

The best I could get with a prepaid was $8,000 so I continued researching and eventually found just what I wanted.

What I discovered is a funeral bond, at a Funeral Services business in Townsville.

I made a phone call and made an appointment. What I bought is a fully paid funeral, just the basics, no frills that are what really bump up the prices.

I would rather my kids have dinner together than have money spent on flowers and book of signatures for people to sign. I don’t even want people coming who have not been a part of my life.  I have informed my kids that it will be family and closest friends by invitation.

When my dad passed there were so many people there that the church could not seat them all. So many of them did not even know he had been seriously ill for any years. I remember thinking, “where were all of these people when my dad was ill?”; he would have welcomed a visit.

Dad’s visitors when he was alive were so few, yet it seemed like so many people come along to “pay their last respects” – what the heck is this anyway? To me this is a heap of horse feathers.

The funeral home that I was able to make my arrangements with offered me a legally binding document to say that my funeral is fully paid.

The gentleman I had the appointment with was very nice, not pushy at all. So on the day I made my funeral contract, fully paid, breaks down as follows:

Travel Protection Insurance: $125 – this is optional, and covers bringing my body home if I should die away far from home.

Cremation Fee: $780

Permission to Cremate: $110

Professional Service Fee & Essential Coffin: $928.18

Total: $2,000

Can you believe this? I have not gained permission to give the name of this business but there are only a few funeral homes in Townsville 4814.

I just thought this information would be helpful to someone else – Christine Millier

Have you planned for your funeral? What plan or deal have you paid for? Tell us below.

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Guest Contributor

  1. You cannot stick your head in the sand and act like an emu when it comes to our “end product”. We are all facing the same outcome and whether we like it or not we do or perhaps should take some of the responsibility for the “how and where” of our departure. At least if you organise (and preferably pay) for your “going away party” you will be ALMOST certain that you will get what you want. To this end I bought and paid for my final encore over 10 years ago, which when paid for virtually on the spot, locked in my funeral at the price at the time of paying. I realise that not everyone can afford to do this but there are ways and means of achieving your purpose and not leave everything to someone else to organise and pay for. Peace of mind for me and I hope for my family as well.

  2. Contact your local university and enquire about their body donor program. You not only contribute to medical research but there are no funeral costs. I’m proud to say my mums a body donor and is now doing her part at the University of Wollongong

    4 REPLY
    • My dad did this and I have the paperwork in front of me now. It is about medical students learning more and perhaps solving problems for the next generation.

    • My friend’s husband donated his body to the university. Unfortunately, when he passed away, he wasn’t found for a number of hours and the university no longer wanted his body. She still had to pay for a funeral!

    • In south australia still have to pay for funeral! And as Rosemary miles says there is a timing factor.

  3. Like Elaine Costello says you can’t stick your head in the sand. When our beautiful daughter (Elaine is her much loved step mum) passed away her funeral insurance made it so much easier on all of us. If a young person can plan ahead who are we over 60’s to think it is fair to leave this burden to our children. I went straight out a purchased funeral insurance. I am covered; are you?

  4. I have paid for my funeral, the service and the plot. I did not want my family worrying about this cost later on with young families themselves to raise

  5. Well done, Christine. I’ve done much the same because I have no wish to be a burden. Death is a natural part of life, so there is nothing ghoulish or morbid about accepting the fact… and doing something about it.

  6. There has been quite a bit of publicity about funeral homes going broke and people losing their money and families being ‘hit up’ for extra costs because the policies were old and didn’t cover increased costs. Better to just put the money in another account.

    1 REPLY
    • Can’t afford to live can’t afford to die.. I don’t want a funeral think they waste of money. Kids can hold a wake if they want.. But I just want my body disposed of quickest easiest cheapest way possible . dead bodies are nothing … Soul lives on……

      1 REPLY
  7. From what I’ve heard, prepaid is a much better option than funeral insurance. I think, if you can afford to do it, it is an excellent idea. If you can’t afford it then you’d better hope the grim reaper keeps a respectable distance!

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