Mother-In-Law refuses to get life insurance

thorsoak

BigYin wrote: »

I would urge you to go with that I'm no where near as heartless as this comes across, infact the biggest heart you would ever come across but neither of us can ever verify that so pointless to discuss. I'm just trying to get to the facts.

If you are trying to get the facts, then go to your local undertaker, and put the situation to them. You will then get the facts.

You ask this sort of question on an internet forum and you are going to get opinions - which would appear to be what you wished for, when you made your first post when you gave us your opinions "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".

pelirocco

Reams wrote: »

The OP may be a WUM, but as for a £1,000 bill?
I read that the funeral cost will be £7,500 by the time I'm due to die.

So before my daughter set off on her travels, I had a talk with her.

I wish to donate my body to medical science. They can do whatever, as long as there is no expense to her.
She was a bit hesitant, as to" who on Earth would want your body?"

No, she didn't say that, but I could see it in her face, love her.

That's what I will do. Who cares after I'm dead?

Actually a lot of people care after someone has died , funerals are for the living not the dead . get life insurance or get a funeral plan its the last thing you can do for your children , let them grieve properly after you die

Op you are coming across as heartless , you dont say if your MIL is dying , but the last thing she wants to hear is you asking if she has life insurance , she probably thinks you cant wait for her to die to get your hands on it !!

Start saving , or speak to funeral directors about a payment plan

*max*

Of course this subject is going to attract emotional responses, but people must not forget that paying for a funeral can be extremely draining financially. It is completely irresponsible for someone not to make provisions for their own funeral expenses, at the risk of putting their family in financial difficulties. Funerals, even basic ones, are very expensive, and let's face, it's not like dying is a totally unexpected turn of event for anyone. So yes, it can sound callous to be talking about it and even resenting someone for not thinking about the cost of their own funeral, but the fact is, someone is going to have to pay for it! It's all well and good wringing your hands in anguish and calling someone insensitive or unemotional for thinking about the issue, but unless you are willing to foot the (almost) inevitable massive bill, you are in no position to judge IMO.

BitterAndTwisted

If people don't have several grand at their disposal and family members who are even worse off they they are, I think this is a legitimate fear to have. I can just imagine the family-pressure from the less well-off coming the OP's way when the time comes. Asking a bald question on here often elicits all kinds of conjecture, some of it intrusive, some of it rude beyond description and a lot of it totally irrelevant. Such is the way of public forums!

maman

I've not been in your situation as my brother just paid up for my mum's funeral (as he arranged it) and then I repaid him out of her estate (as Executor). Brother chose to do it that way but I know the Funeral director was surprised as he thought he might have to wait for his money.


There's absolutely nothing you can do to force your MIL to take out insurance or even sign up for one of those funeral plans.


Obviously none of your wife's family are particularly well off but surely what should happen is that all the siblings will pay between them and any money accrued from any money or saleable belongings MIL leaves will be similarly shared. What happened when FIL died?


You could try CAB for advice or ask one of the siblings to enquire at the Benefits office.

Person_one

BitterAndTwisted wrote: »

If people don't have several grand at their disposal and family members who are even worse off they they are, I think this is a legitimate fear to have. I can just imagine the family-pressure from the less well-off coming the OP's way when the time comes. Asking a bald question on here often elicits all kinds of conjecture, some of it intrusive, some of it rude beyond description and a lot of it totally irrelevant. Such is the way of public forums!

Having been in the situation where a relative has died penniless with no plans in place, and seen the level of stress caused and tensions between those left behind, I can completely see where the OP's coming from.

Mojisola

*max* wrote: »

Of course this subject is going to attract emotional responses, but people must not forget that paying for a funeral can be extremely draining financially. It is completely irresponsible for someone not to make provisions for their own funeral expenses, at the risk of putting their family in financial difficulties.

It's all well and good wringing your hands in anguish and calling someone insensitive or unemotional for thinking about the issue, but unless you are willing to foot the (almost) inevitable massive bill, you are in no position to judge IMO.

Completely agree with this.

What caring parent would want their children to go into debt so that they can pay for a funeral? She should have thought about how her funeral was going to be paid for long before she got sick.

We all know we're going to die but don't know when. If you don't have a lump sum put away or a funeral plan paid for, you should take out an insurance policy.

BigYin

Reams wrote: »

Why anyone would directly reply to such a distasteful wind up merchant is beyond me.

I came here for help not abuse and made feel worse by assumptious folks. We are facing a real life crisis here.

BigYin

BitterAndTwisted wrote: »

"Try to reclaim it" is not the same as successfully making a claim. If the Council don't who or where you are, they won't be able to approach you, will they?

How does your wife feel about you mother's body being disposed of in such a way?

They do know, it's not hard to trace folk especially as we are on the voters role and pay council tax to them. Of course my wife is distraught at the thought, how do you suggest we make money appear from nowhere though?

MrsE_2

BitterAndTwisted wrote: »

If people don't have several grand at their disposal and family members who are even worse off they they are, I think this is a legitimate fear to have. I can just imagine the family-pressure from the less well-off coming the OP's way when the time comes. Asking a bald question on here often elicits all kinds of conjecture, some of it intrusive, some of it rude beyond description and a lot of it totally irrelevant. Such is the way of public forums!

Correct me if I'm wrong but you can get a fixed sum life insurance that pays out that sum on death but what seems like ample now might be a pittance by the time we die.
Or you can find a lump sum of 4k & pay for your funeral in advance & hope that they & their professional body are still there when we die.

But you can't buy a funeral on layaway (as the yanks call it), can you?