This Month

finally magazine cover

Translate Page

SR-Corporate_300px-250px-SRCitizensMag
ad

Silver Screen Classics

SENIORCITIZEN_WEB_BANNER_2_NOV_09
TIPS FOR PLANNING A FUNERAL PDF Print E-mail

TIPS FOR PLANNING A FUNERAL

planningafuneral

A funeral, religious or not, should be a celebration of the life of the deceased, a way of bringing people together and helping them to cope with their loss. Music will be played, and readings and speeches will be given.

Funerals tend to be a lot easier to organise if the deceased have made their wishes for the funeral service known beforehand. Discussing ones own demise with close relatives and friends may seem a little morbid, and in many cases, people prefer to make their wishes known by leaving written instructions with the funeral director. However, people often neglect to do this, and the bereaved are left to make their own plans for the ceremony. One way in which you can take the burden of arranging and paying for your funeral away from your relatives is to invest in a funeral plan with a company such as Legal & General, as this will ensure that your wishes are made clear and that there are funds available to put them into practice. Visit their website for more information on funeral plans.

There are several advantages to the traditional approach of hiring a minister, singing hymns, and reading passages from religious texts. Ministers tend to have a lot of experience in dealing with funerals, and tend to be fairly good at setting the tone for the ceremonies. Hymns tend to make good funeral music, as they are easy to sing along with and are comfortingly familiar to most people. Religious texts contain many passages that have been specifically written for funerals, and can be guaranteed to fit the sombre mood of a funeral. However, if the deceased was not a religious person, then these trappings can seem somewhat inappropriate, and alternatives will have to be found.

One alternative to singing hymns is to have some recorded or live music played. Musicians can be hired to play some appropriate pieces, or you can play music from a CD or MP3 player through the sound system. In religious funerals, the readings tend to be from a religious text such as the Bible or the Koran, but if this does not seem appropriate, then poems and selections from favourite secular books can also work well.



Add this page to your favorite Social Bookmarking websites
Reddit! Del.icio.us! JoomlaVote! Google! Live! Facebook! StumbleUpon! Yahoo! Free social bookmarking plugins and extensions for Joomla! websites!
 
CRITICAL ILLNESS COVERAGE PDF Print E-mail

AN INTRODUCTION TO CRITICAL ILLNESS COVERAGE

Illnesscoverage

Critical Illness Coverage is an additional policy option that can come with a Life Insurance policy. With the improvements in modern medicine in recent years, people are able to live longer and fuller lives even with illnesses that would once have been considered debilitating. Still, such illnesses can be expensive, and for that reason critical illness is becoming ever more widespread.

Figures offered by Legal & General offer an insight into why critical illness cover can be vital. According to L&G the average age of a claimant for critical illness cover was only 49 in 2008 and 75% of all female claimants were under the age of fifty.

So what exactly is critical illness cover? The theory behind critical illness is quite simple, you pay an extra premium and in return your provider will pay out the proceeds of the policy should you suffer one of any number of severe and potentially life threatening illnesses. As with any other form of insurance the terms differ from company to company, thankfully however the ABI (Association of British Insurers and the organisation which represents the Insurance industry) has standardised the process for diagnosing a critical illness and thus formalised a list of long term insurances that will be covered by the policy. These include many forms of cancer, Alzheimer’s, Multiple Sclerosis, and many forms of disablement.

The question of how much the policy will cost is slightly more difficult to answer as there are wide variations between companies and you can have different levels of cover depending on which illnesses you want included.

An extra consideration with critical illness cover is that it can be structured to pay out either a lump sum or a certain amount each month depending on the nature of your illness. The flexibility can be invaluable depending on the nature of your illness.

Critical illness cover cannot prevent the trauma of you of one of your family members being diagnosed with a serious illness, but it can offer vital assistance if such an event should occur. It doesn’t have any negative impact on the cover offered by the full life insurance policy and some policies also cover your children free of charge and therefore critical illness cover is definitely worth considering if you have a certain family, medical history. Take a look at Legal and General’s website for more information on critical illness coverage.



Add this page to your favorite Social Bookmarking websites
Reddit! Del.icio.us! JoomlaVote! Google! Live! Facebook! StumbleUpon! Yahoo! Free social bookmarking plugins and extensions for Joomla! websites!