2023-10-17 10:15:50
Funeral planning not only allows you to plan in advance. Indeed, taking out such a contract also facilitates the organization and financing of your funeral. You will thus be able to live peacefully by having expressed your last wishes, and relieve your loved ones of certain formalities when the time comes. This article covers the essentials of funeral insurance contracts.
Overview of funeral planning and its advantages
Funeral planning is a solution allowingensure your last wishes are respected. Indeed, it gives you the certainty that your funeral will be carried out as you wish, and financed according to a plan approved and defined in advance.
Respecting your last wishes
Taking out funeral planning gives you the possibility of carefully plan every aspect of your funeral. You can thus specify your requirements regarding the organization of these.
It is possible to mention the last wishes in the funeral contract by filling out the mandate of last wishes. In addition, given that this document has testamentary value, it cannot be called into question upon death, because it ensures that your personal wishes are respected.
Relieve your loved ones
Another advantage of the funeral insurance contract is that it allows you to finance your funeral and thus relieve your family of this burden sometimes heavy. Thus, she will not have to worry regarding possible financial concerns linked to funeral costs thanks to your funeral contract. Furthermore, you will avoid any disagreement within your family linked to your last wishes.
Funeral contract provided by professional funeral directors in Lille, responding to the last wishes of the deceased
The different types of funeral policies and contracts
A large number of funeral directors offer the choice between two types of funeral contracts: the capital contract and the services contract.
The capital contract
As part of a capital contract, you have the possibility of determine the amount that will be made available to your loved ones to cover funeral expenses. The accumulation of capital is possible via a single payment, lifetime payments or even monthly payments.
However, you should know that this contract does not take into account your wishes regarding the organization of the funeral. Here, the responsibility lies with the relatives who will have to choose the coffin, determine the type of ceremony and decide whether the body will be cremated or buried. It still happens that standardized services are included in the contract.
The service contract
This type of funeral contract guarantees the payment of capital to relatives or to a funeral home. In the first case, your loved ones will be responsible for organizing the funeral, choosing the coffin and other elements. With the second option, a mandated service provider will be responsible for organizing all or part of the funeral.
On the other hand, all your requirements for organizing your funeral are included in this contract. Benefits therefore refer to decisions made during your lifetime which must be carried out as you wish.
What to look for in a funeral contract?
We advise you to compare the different funeral contracts before making your choice. THE waiting period can be more or less long from one contract to another. This implies that if the subscriber dies before having completed the payments to constitute the capital, no sum will be given to his loved ones for funeral costs. During the waiting period, only the amounts paid will be reimbursed. Great attention must also be paid to other important aspects such as:
- contract exclusions,
- management fees, deducted from the amount of capital at the time of payment,
- supporting documents to provide,
- the freedom to choose a funeral home,
- possible additional costs of funerals, etc.
Also don’t forget services included, which should allow you to prepare for your funeral. These generally vary depending on the type of funeral contract chosen. Among the essentials, we can cite the mention of last wishes, the repatriation of the body, administrative and legal support, home assistance, etc.
Things to take into account when choosing the right service provider
When choosing a funeral director for your funeral planning, you should consider different criteria.
The price
The price can vary from one funeral home to another and can sometimes be particularly high. Fortunately, under French law, it is mandatory for funeral directors to present a detailed and free quote benefits. Thanks to this, you will be able to evaluate the prices and make a rational choice. Generally, the price includes transport, preparation of the body, ceremony, funeral care, coffin, burial or cremation…
Reputation and experience
It is essential to use a company that has solid experience and an excellent reputation in the area. As a result, you will be sure to benefit from a professional and high quality service. An experienced funeral director will be able to provide a transparent, efficient and personalized service. She also has the skills to take care of all administrative procedures and funeral procedures.
It is equally important to consider the reputation of the funeral home when making your choice. In this sense, take a look at customer reviews and ask references and customer testimonials.
Services offered
Finally, to choose a funeral home, also consider the services offered. It is obvious that some are essential, such as funeral washing, organizing funerals, transporting the body, providing a funeral urn in the event of cremation, etc.
By taking out funeral planning, you save your loved ones from paying various related costs, which, in certain situations, can exceed 10,000 euros. It must be said that many families do not have the financial resources necessary to cover the costs associated with a death… If you choose a benefits contract, you will be sure that your last wishes will be respected. Finally, whether or not you agree with your wishes will no longer be a worry for your loved ones who will be more relieved. They will thus be able to get through their grieving period without additional stress.
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