Selfish brother

amstel2

Hi

Hate talking like this but here goes.

My brother is 64 & a very heavy smoker & drinker has had health probs for yrs & has just come out of hospital still qiute weak. On all kinds of meds & is always about to quit the fags.

He is on DLA & a small pension from his former employer & has no life insurance to cover expenses if anything happened. He has 2 grown up kids who could never afford to pay for a funeral (his wife also has no insurance). His attitude is throw him on the tip when he goes, he has no sense of responsibility.

I have been talking with his kids & think the only solution is one of those guranteed over 50 plans. However, most don't cover you until 2 yrs have elapsed i have only found Asda & LV that kick in after 1 yr.

We are looking at £4K of cover & LV quote between £22- £25 per month with an additional 10% cover if you agree to a future funeral being with a firm called Dignity (but aren't firms like that more expensive anyway). Any premiums will be met between me & his daughters.

What do you all think? Are their any other firms/plans out their & if we do go with LV should we agree with the Dignity option?

Also what happens if someone dies & their is no money for a funeral. Do undertakers have to take instalments.

Again i hate talking like this but this has to be sorted soon.

Thanks

ACG

I think the govt would pay for a basic funeral but im not too sure.

It might be worth speaking with an independent mortgage or financial advisor. They will be able to research the market and find something for you. You can then compare costs.

They MAY not charge a fee and could just be happy with the commission they receive. So atleast then, you can compare it to what you have found yourself and see which is the best to go with.

Voyager2002

He is very clear that he only wants the cheapest and most basic of funerals. From the way you talk about him, it does not sound as if a funeral would be important for the rest of the family. So why plan to put money into the insurance and funeral industry? Instead, check out what the state would provide and what is the legal equivalent of chucking a body on the tip.

McKneff

To be honest, if I was your brother I would be bloody outraged if I thought by sibling was talking to my children and trying to sort out the payment for my funeral. I would be telling you to mind your own bloody business. Let his wife and children deal with it. Let them sort it out either before or after.

amstel2

Just like to add he is fully aware we have been talking & as normal is happy for other people to pay.

Thanks

ILW

The state will provide a basic funeral if he has no assets.

Sally22_2

Post Office do Over 50s Life Cover which I think is quite good, I have their normal life cover

http://www.postoffice.co.uk/over-50s-life-cover

dalesrider

amstel2 wrote: »

Just like to add he is fully aware we have been talking & as normal is happy for other people to pay.

Thanks

Guess he thinks like me then.....
I will be dead and don't care.

ACG

My mum said a cardboard box will do - a step up from the tip i think.
I said ok thats fine... should have seen her face.

noh

ACG wrote: »

My mum said a cardboard box will do - a step up from the tip i think.
I said ok thats fine... should have seen her face.

Cardboard coffins £70 on ebay
http://www.ebay.co.uk/itm/CARDBOARD-COFFIN-FOR-GREEN-OR-ECO-FUNERALS-/181032609771?pt=UK_Home_Garden_Celebrations_Occasions_ET&hash=item2a266267eb

ACG

Cardboard boxes from the back of tesco = free
Some tape from the front of tesco = £2? PLUS my clubcard points! Bonus!