I am planning my funeral: plan the essentials to spare your loved ones
I am planning my funeral and anticipating my funeral, it is to spare your loved ones from the financial and organizational hassles related to your departure. Discover our solutions to plan your funeral with peace of mind and according to your wishes.
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I am planning my funeral
In order to spare your loved ones from all the financial and administrative difficulties they might face upon your death, you can start organizing your end of life today.
If you can plan your retirement by opting for a supplementary retirement plan, if you consider the future of your spouse and children by writing a will, why not plan your funeral?
These few tips and tricks will allow you to leave in peace and make life easier for those you hold dear.
I organize…
The family is often at a loss when a loved one dies, especially if it happens suddenly. Indeed, the formalities and the constraints of time and money related to a disappearance can be overwhelming. Preparing your own funeral is the ideal solution to spare your relatives additional troubles.
The administrative side
By writing down your “declaration of last wishes,” you will spare your loved ones from having to make these difficult choices. In this letter, you specify what you want. Burial or cremation? At your death, your loved ones will only have to respect your wishes.
The organizational side
First, you must choose whether you prefer to be buried or cremated. Indeed, the cost of the operation as well as a large part of the logistics depend on this choice.
On average, the cost of a funeral in Belgium exceeds €6,000 for a burial and €3,700 for a cremation.
Some points such as the coffin, the preparation of the deceased’s body, its transfer to a defined place until the ceremony, the reception at the funeral home, or even the administrative formalities are part of the services offered by a funeral service.
In case of burial:
- The coffin can cost you between €1,000 and €3,500 depending on its quality;
- You must account for the purchase of a concession from the municipality;
- You should include the price of the funeral monument which ranges from €1,250 to €6,000, or even €25,000 for a high-quality granite vault.
In case of cremation:
- The coffin costs between €600 and €1,500;
- The urn costs between €100 and €500 to keep your ashes, or even make a small monument by investing around €1,000;
- The cremation tax is about €500.
You must add to these amounts: the obituary in the newspaper which ranges from €150 to €1,200, the announcements costing €175 to €250 depending on their number, and the funeral flowers whose price varies between €50 and €250. Moreover, the reception after the funeral constitutes additional expenses, at a rate of about €12 per person, as well as the religious ceremony which costs nearly €250.
Practical advice
- Contacting a funeral home is the simplest solution. They have the necessary experience and essential know-how to successfully organize the entire funeral.
- You can plan everything during your lifetime by taking out a funeral insurance with a bank or an insurance company. This system has the dual advantage of financially relieving your loved ones from organizing your funeral while guaranteeing you a ceremony faithful to your wishes. Moreover, it is the funeral home that takes care of all the administrative formalities related to the death, such as the declaration of death to the municipal services.
This solution comes in two forms:
The first: the capital contract. You build up savings that will be used to pay for the expenses dedicated to your funeral. Upon the announcement of your death, the bank or insurance company where you took out the contract will pay the agreed amount to the funeral home to prepare the funeral according to the arrangements you previously chose.
The second: the advance payment of the costs concerning your funeral. The funeral home provides a detailed estimate of the services it will offer for your funeral. This estimate serves as the basis for the funeral insurance contract. When the time comes, the service provider is responsible for the entire organization of the funeral.
Be careful, the disadvantage of this formula is the risk of price increases by the funeral home between the date of signing the contract and the date of your death. Consequently, they are obliged to reduce their services or maintain the same offer while demanding a surplus from the family. To remedy this, some funeral homes offer an annual revaluation of their estimate amount, without increasing the share. Others prefer to ask you for the payment of a certain amount beyond the contributions to cover the difference between the capital and the rates applied if necessary.
It should be noted that the payment of premiums in these two types of contracts can be made in a single payment or in several installments sometimes extending up to 10 or 15 years.
Check list
- Compare funeral insurance offers from different companies and banks to determine which one suits you best.
- Request a quote from several funeral homes.
- Study the solutions they provide for a possible difference between the capital constituted and the prices in effect at the time of your death.
- Inform your family of the existence of a funeral insurance contract as well as the bank or insurance company to contact if you pass away.
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