If there is one bad thing about life, it is that none of us will live forever. Most of the people don’t want to think about their death, which is why they put off writing their will. It is understandable that people don’t want to think about their demise, but there are some details that need to be taken care of well in advance.
The first thing that any of us should pay attention to is our final expenses cover. Once we have sufficient funds, we can talk to our family about funeral insurance.
How To Pre-Plan Your Funeral
Once you have your insurance plan in place, you can preplan your funeral and take care of some of the details. One of the biggest decisions that you will take is whether you want to be buried or cremated. If you choose burial, you will have to buy a burial plot for yourself. However, if you choose cremation, you will have to decide what to do with the cremated remains.
The next step would be to find a funeral home and a funeral director. If you want to be buried, the director will help you in purchasing a plot and orchestrating the burial. If you want to be cremated, they will help you out with the memorial service.
You will have to decide the kind of service you want, that is funeral ceremony, graveside services, or memorial services. Some other things that you will have to consider include:
- Choosing a location for the service
- Deciding the pallbearers
- Selecting readings and songs
If you want to personalise your funeral, you will have to take care of the following things:
- Choosing the location
- Choosing the officiant
- Choosing the participants
- Having a guest invite list
- Taking care of other elements of the funeral
Make sure you inform your family about the arrangements you have taken care of. The important person to talk to right now will be your spouse.
One thing that you should know is that the conversation won’t be pleasant, so it is up to you if you want to take the direct or the indirect approach. Direct approach would mean that you immediately start talking about your funeral and the insurance whereas an indirect approach would be to start talking about someone else’s death and then come to the actual topic. A good way to subtly put yourself in a position to initiate a discussion is to get involved with your grandchildren in the holiday period where you then have a chance to break the ice with your own children.
It is important to tell your loved ones that you are not trying to upset them. Tell them that you love them, which is why you have taken care of your final expenses beforehand. It is a good practice to share all the details of the funeral insurance with the people that are most likely to take care of your expenses. Some of the other things that you should discuss with them include:
- Body disposition
- Type of ceremony you want
- Music played and sung at your service
- Speakers giving the eulogy
- Types of flowers