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Over 50 Life Insurance

We no longer sell Over 50 Life Insurance but here is some information for our existing customers.

An over 50s Married couple with their grandkids, dog, and member of the LV= legal team stood behind the LV= heart

Funeral Planning

When someone dies, it's a time of sadness. Yet there are practical things that need to be done – some of them simultaneously and quite soon. This can be very painful when grief and emotions are at their highest.

In the first few days after your loved one passes away, you'll need to:

  • Get a medical certificate from a hospital or GP - you need this in order to register the death.
  • Register the death within five days - at this point you'll get the documents you need for the funeral/cremation.
  • Arrange the funeral.

Arranging a funeral can seem overwhelming. Here's a checklist of things you might like to think about when planning a funeral:

  • choose a funeral director
  • burial or cremation
  • flowers or donations
  • the funeral service
  • transport for the funeral
  • reception/wake
  • funeral costs

Arranging your own funeral

You can help ease the strain on those left behind by planning your own funeral in advance - and making sure those funds are available to pay for it. It's a practical and sensible thing to do - just like the making of a will. It'll give you some peace of mind about the future and help let your loved ones know the important things you want to happen.

You can leave instructions about your funeral with your will, or with a relevant person - friend, family member or executor, for example - to keep in a safe place, until you pass away.

As well as the points above, there are some additional things to think about to make things easier for those left behind:

  • Where your will is, and where to find birth certificates, marriage certificates and house deeds.
  • Financial information - make a note of any bank accounts you hold and any insurance policies you have, including any policies you may have taken out to cover funeral expenses.
  • If you have a burial plot reserved already, where this is located.
  • A list of people to contact when you pass away - any friends or relatives you'd like to be notified.
  • Your choice of funeral director and the type of ceremony you want, along with any readings or music you'd like to have.
  • Whether you'd like flowers or donations - if you'd prefer donations make a list of the charities you'd like the money to go to.
  • Donating your body/organs for medical research - if you wish to donate your body for medical research you should put this in writing and inform your next of kin.

Existing customer?

Call our friendly UK-based team about your policy:

0800 678 1906

8.30am – 6.30pm, Monday to Friday.

For TextDirect first dial 18001. We may record and/or monitor calls for training and audit purposes.

We may record and / or monitor calls for training and audit purposes.

Choosing a funeral director

Try to talk to as many people as possible about funerals to get their opinions and the benefit of their experiences. Consider visiting a number of funeral firms and inspecting their facilities. If you already know what you want, you can find out if they can meet your needs - and what else they can offer. You'll probably end up choosing the funeral director with whom you feel most comfortable.

Consider the funeral director's:

  • experience
  • ability to answer all your questions
  • reputation
  • price
  • value for money

Burial or cremation?

There are many different factors that may influence your decision, such as cost, religion or cultural traditions.

Here are some of the things to consider when making a decision:

  • Cremations can cost less than a burial.
  • There is usually a strict time limit for the length of a service for a cremation, and will depend on the individual crematorium.
  • You will need to decide on a final resting place of the ashes with a cremation; you can keep them in an urn, bury or scatter them.
  • If you are buried, you'll need to decide whether you want a headstone, and what you'd like to put on it.

The funeral service

While there is no legal requirement to have any kind of funeral ceremony and no legal statutes governing what form a ceremony should take, it's likely that you'd like some kind of funeral service. If so, there are a number of considerations that are often left for those left behind – but you could decide to plan:

  • transportation
  • music - would you like an organist, CD or live musician?
  • who will lead the service - a religious minister, humanist, friend or relative?
  • individual contributions - a reading, poem or story?
  • a personal item that might make the ceremony more special and help mourners to say their farewells
  • a memento as people leave, e.g. a photograph
  • flowers, or a donation to a chosen charity

Funeral costs

A funeral service includes a number of variable costs, such as a funeral director's professional services, use of funeral facilities, funeral vehicles and related items, such as caskets or urns. By planning ahead, you'll be able to get a clearer idea of costs.

The average cost of a very basic funeral, excluding the cost of associated personal touches such as flowers and or church service, in May 2016 was £4,229.

LV= cost of a funeral research – Breaking Blue Research, May 2016 (based upon a sample of 100 UK Funeral Directors).