Warning, borrowing money also costs money.
Plan Your Funeral in Advance: An Act of Love to Protect Your Loved Ones
Preparing for your departure is the greatest act of foresight. By planning the financing for your funeral today, you offer your family invaluable peace of mind and ensure your final wishes will be respected, without burdening them with heavy financial and organizational tasks.
Simulate my funeral planLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Why plan your funeral in advance? Peace of mind for you and your loved ones.
Far from being a morbid task, planning your funeral is an act of responsibility and love. It allows you to take control of your final wishes while lightening the burden on those who remain. To plan ahead is to choose serenity.
By preparing for your departure, you ensure you can:
- Financially protect your loved ones: The average cost of a funeral is high (between €3,000 and €7,000). By pre-arranging the financing, you prevent your family from having to dip into their savings or go into debt unexpectedly.
- Guarantee your wishes are respected: Burial or cremation, civil or religious ceremony, choice of casket, flowers… You decide everything, relieving your loved ones of difficult decisions while they are grieving.
- Free your family from administrative hassles: Good planning simplifies all the necessary procedures when the time comes, allowing them to focus on what’s essential: their mourning.
- Gain personal peace of mind: Knowing that everything is taken care of and that you won’t leave any worries behind is a source of deep inner peace.
Our online simulator allows you to estimate the capital needed for a funeral that reflects your wishes and to see a suitable financing solution.
Free • No obligation • For peaceful planning
The Pillars of Your Plan: Financial and Organizational
Planning ahead means acting on two fronts for complete peace of mind:
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1. Financial Peace of Mind: Set up a dedicated financing plan. Rather than locking up your savings in an insurance policy, a pre-planning loan allows your loved ones to access the necessary funds when the time comes, without touching their own assets.
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2. Organizational Peace of Mind: Formalize your wishes. This financing plan is the guarantee that your decisions will be carried out. It gives your loved ones the concrete means to hold the ceremony you envisioned.
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Flexibility and Control: You determine the amount needed and how it will be repaid. Your loved ones will only need to activate the solution you have prepared for them.
This dual approach transforms a potential source of anxiety into a well-managed and thoughtful life project.
How to set up your pre-planning arrangement?
A simple and confidential process to plan for the future with complete peace of mind.
1. Estimate the budget
Use our simulator to evaluate the cost of your funeral according to your wishes (type of ceremony, headstone, etc.).
2. Define a plan
Choose the amount and repayment term that seem most fair for your loved ones. Get an offer in principle.
3. Archive and inform
Once your plan is validated, keep the documents with your important papers and inform a trusted person about your arrangements.
Our advisors will guide you with discretion to help you build a tailor-made solution that reflects your values.
A Flexible and Smart Financing Solution
Our funeral pre-planning loan solution is designed for flexibility and security:
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No locked-up capital: Unlike an insurance policy, your money remains available to you. The financing will only be activated by your loved ones at the time of death.
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Adaptable amount: You can plan for an amount that covers future inflation. If the costs are lower, your loved ones can borrow less. The flexibility is total.
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Simplicity for your heirs: You prepare the file. They will only need to provide the final documents (death certificate, invoice) to release the funds quickly and without complexity.
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No medical exam required: Setting up this financing plan does not require any health questionnaire.
It’s the guarantee of a concrete and effective solution, designed for the future.
They chose peace of mind for themselves and their loved ones
“My wife and I didn’t want our children to have to worry about money on top of their grief. We prepared a financing plan. It’s done, filed away in a binder. We have peace of mind, and so will they.”
“As I have no direct heir, I wanted to be sure my wishes (a simple ceremony and cremation) would be respected and funded. I appointed my notary as my trusted person. Everything is clear, everything is planned. It’s a huge weight off my shoulders.”
Funeral Pre-Planning FAQ
The answers to your questions to plan your funeral financing with full knowledge of the facts.
The main difference lies in the flexibility and the availability of your money. A funeral insurance policy is a contract where you pay premiums to build up a capital sum that will be released upon your death. Your money is “locked in.”
Our solution is a pre-approved financing plan (installment loan). You pay nothing today. It is your designated loved one who will activate the loan at the time of death. This offers more flexibility: if the costs are lower than expected, they can borrow a smaller amount. Furthermore, there are no exclusions based on health status.
There is no “perfect” age, but pre-planning is a step that comes with maturity. Many of our clients start thinking about it from age 50-60 onwards, often around the time of retirement or when they are settling their own inheritance matters.
However, doing it earlier is a sign of great responsibility. The key is to do it when you feel ready to offer this peace of mind to your loved ones.
The financing solution is the “engine” that makes your wishes a reality. To formalize them, we advise you to:
- Write a document describing your wishes (sometimes called a “living will” or “final arrangements”).
- Attach it to your financing plan documents.
- Inform one or more trusted individuals (spouse, children, notary, close friend) of the existence of these documents and where to find them.
By providing the financial means to your loved ones, you remove the main obstacle to carrying out your wishes.
That’s an excellent question. During the simulation, we advise you to include a safety margin on the estimated amount to anticipate inflation. For example, you could simulate a plan for €8,000 even if the current cost is €6,000.
The flexibility of the solution allows your loved ones to borrow only the amount actually needed at the time, up to the limit of the amount you had planned.
This is a key point. You, today, are only preparing and planning. You do not borrow or repay anything.
At the time of your death, it is your heir (or the person you have designated) who will activate the financing plan. Therefore, they will be the one to officially take out the loan in their name and repay it according to the monthly installments you deemed appropriate. Your action simply provides them with easy access to a quick, pre-negotiated solution that respects your vision.