Mother-In-Law refuses to get life insurance

BigYin

Hi all

Don't know if this is the right forum for this but here goes,
My mum in law refuses to get life insurance even though it has been discussed with her before. She has been very ill for quite some time now and I have done a little research online to see who picks up the bill for her funeral expenses. She has 3 children and my wife is the only one not on benefits and it looks like my wife would this get a bill from the state for the costs, unless she is estranged.

Now this may seem harsh but I am totally disgusted with her attitude through out the years over this and was wondering if my wife and I are over a barrell with this or is there anything that can be done to avoid paying up for her? We can't afford a £500-1000 bill even for a rock bottom funeral. Is it possible for us to take out life insurance for her? I doubt anyone would take her on though as she is in an out hospital a lot these days.

Thanks

SavingPennies_2

Does she have savings/ a house she is planning to leave you in her will?

I assume there is more to you relationship (problem wise) otherwise you wouldnt have this attitude.

I also assume you have life insurance in case you get knocked over by a bus tomorrow and your wife has to foot the bill?

BigYin

She has nothing in the way of property or savings, and yes my wife and I are both insured.

spacey2012

Who fed and clothed you for the twenty or so years you lived at home.
And you moan about burying the poor woman.

Don't tell us, you didn't ask to be born....

They say you can not chose your children...

kelpie35

Not too sure about this, but is it not down to the person who arranges the funeral, that has to pay.

SavingPennies_2

spacey2012 wrote: »

Who fed and clothed you for the twenty or so years you lived at home.
And you moan about burying the poor woman.

Don't tell us, you didn't ask to be born....

They say you can not chose your children...

It's his MIL...but I see where you are coming from.

sulkisu

BigYin wrote: »

Hi all

Don't know if this is the right forum for this but here goes,
My mum in law refuses to get life insurance even though it has been discussed with her before. She has been very ill for quite some time now and I have done a little research online to see who picks up the bill for her funeral expenses. She has 3 children and my wife is the only one not on benefits and it looks like my wife would this get a bill from the state for the costs, unless she is estranged.

Now this may seem harsh but I am totally disgusted with her attitude through out the years over this and was wondering if my wife and I are over a barrell with this or is there anything that can be done to avoid paying up for her? We can't afford a £500-1000 bill even for a rock bottom funeral. Is it possible for us to take out life insurance for her? I doubt anyone would take her on though as she is in an out hospital a lot these days.

Thanks

AFAIK, you can't be forced to pay for the funeral - if your wife shares your view and does not want to pay for it if/when the time comes, then she doesn't have to.


I don't think that you have the right to be 'disgusted with her attitude', just because she isn't doing what you think she should. It's her choice and her business after all. As long as she isn't asking you to provide for her, then I personally would keep out of it.

comeandgo

If she has been ill for a time it may be very expensive for her to get life insurance. Is she still living in a house, would the sale of the household goods make enough to pay for funeral?

sweaty_betty

I believe if you are on certain benefits when you die, the next of kin can apply for some money to cover funeral costs. Would your mil leave nothing of any value that could contribute towards the cost?

I know the basic cost of a funeral shocked me recently, so I can understand the concern if you simply don't have that kind of money. It's unlikely that she'd get life insurance, but there are schemes where you pay for your own funeral over a specific time period, to lessen the burden for your family when the time comes.

paulofessex

Was wondering which undertakers you have found OP where the price is £500 - £1000, please share the details l wouldn't mind pre-paying mine at that price.

peachyprice

BigYin wrote: »

My mum in law refuses to get life insurance ...... She has been very ill for quite some time now

You really think anyone will let her take out a life insurance policy that she could actually afford?