Resolved Question

Funeral Plan - Help needed!!?

I want to arrange a funeral plan, im only 26 - i know!!!! But i dont want to leave my family any financial burden or any hassle to sort etc, so ive sorted myself health and life insurance and i am now wanting to sort a funeral plan....but i dont think they will allow me to apply? Ive had trouble with the life insurance as they only cover for 40yrs, which makes me 66, so ill have to sort extensions etc nearer the time...what im asking, is if there is anyone else of a similar young age who wants to pre plan for the future and how you have gotten on arranging a funeral plan etc, and how do you arrange what you want for your funeral etc?
Thanks! x

Best Answer - Chosen by Voters

All such things can be included in your Will. You can include whether you want to be buried or cremated, you can also include an order of Service etc. No matter what age you are you can make a will. You may not have loads of money to leave but you can amend a will any time you like. Good idea to have some life insurance or critical illness insurance. Yes you are young, but it never to early to make some decisions, although don't dwell on such things.

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Other Answers (4)

• I don't understand why you're so concerned with your funeral at age 26 - but you can purchase a prepaid funeral plan if you so desire. Keep in mind that when that time comes (50+ years from now), your life situation and location may be completely different.

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• Suggest you contact Cooperative Funeral Care. To my knowledge they have no age limits on drawing up plans.

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• cant you include all of this in your will?

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• You are far better off buying an all-purpose term life insurance policy, naming a trusted family member as the executrix of your estate, and writing a will designating that the proceeds of your life insurance be used to pay for your funeral. At 26, term life insurance is readily available and easily affordable. Locking into specific funeral plans now might not make any sense 50+ years from now when you pass. With enough insurance, your heirs and family can use that money to pay cash for your funeral.
  
  BTW If you only have a small amount of money to use on insurance, you are much better off buying short term disability insurance. People between age 30 - 60 have a one-third chance of suffering a disabling accident or injury that will prvent them from working and earning money for more than six weeks. If your budget would suffer greatly if, say you broke your leg and had to take off work without pay for two months, then you are better off buying disability insurance instead of life insurance.

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