Mother-In-Law refuses to get life insurance

BigYin

tea_lover wrote: »

If she "doesn't know anything about this" then how do you know she's refusing to get life insurance? You must have had at least one conversation about it to know that she doesn't want to take any out. Poor woman.

She brought it up years ago when she told us she had arranged cover then we found out recently that this was not the case and she had only paid 2 monthly premiums then deceided to forget about it.

BigYin

thorsoak wrote: »

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".

An undertaker is only interested in money.

Mojisola

MrsE wrote: »

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

Kind of - my parents started out paying monthly into a joint funeral plan - it would pay out on the death of the first one. When that was fully paid up, it was converted to one name and they started monthly payments on a second plan.

It was a huge relief when they died to know that the expense was all covered.

MrsE_2

Mojisola wrote: »

Kind of - my parents started out paying monthly into a joint funeral plan - it would pay out on the death of the first one. When that was fully paid up, it was converted to one name and they started monthly payments on a second plan.

It was a huge relief when they died to know that the expense was all covered.

But its a fixed sum? Which may od may not cover a funeral?
Wouldn't it be better if you could pick your funeral & pay it off in installments.

LisaLou1982

Not read all of the costs, but i extend my sympathies to you OP.

It must be very difficult to be in a position where you feel that you are banging your head across a wall. Its easy to say that you should let the state deal with it if you dont have the money, but at the end of the day, she is your wifes mum, and im sure she will not be able to cope with not having anything to do with it.

from what i remember, I remember seeing the cost of a basic funeral when i was arranging my dads funeral nearly 5 years ago. It was in a frame on the desk of the funeral director and im pretty sure it was in the region of £1500

thorsoak

BigYin wrote: »

An undertaker is only interested in money.

As, it would appear, are you.

As she is not dead yet, then I suggest that instead of complaining about the situation, you do something about it. Your MiL is in receipt of pension/benefits, I would assume: start by getting her to siphon a small sum - say £5 per week - away. Similarly, ask your wife's siblings to try and do the same - and you and your wife as well. Little amounts will build up - and whilst your MiL lives, the sums can start to build. Where did she work? Does she get a works pension? There may be a benefit there. Research charities that might help - was she, or her husband a member of the armed services? SSFA and British Legion may be able to help.

Instead of ranting and raving on an internet forum, just start planning.

fairy_lights

I can see how it's a worry, most people don't have a couple of grand spare lying round for funeral expenses. To be honest, as much as I love my parents if they died suddenly and had no money in their estate to cover the costs, it would take all my life savings to pay for their funerals. As harsh as it may sound I would want them to have a good send off, but I would begrudge having to spend all of the money I've saved up for a house deposit on it and be set back in my own life.
So you have my sympathies OP, I actually think you're being very practical to start thinking about this now rather than waiting until your MIL dies. Funerals are getting increasingly expensive and I don't think we should shy away from facing up to the financial side of death.

Cyclamen

With regards leaving body's to research/science... my gran passed just before christmas and her body was refused... she really wanted to be used for teaching (don't ask me the thought horrified me but her wish) and sadly none of the university hospitals would take her.. they had sufficient 'donations'.. so don't count on this being an option.


If your loved one was serving person in the army and you are struggling with paying the cost of a buriel the Brittish legion or Saafa (cant remember exact acronym) may help.. my father used this years ago to help with costs of grandad (other side of family) and we have since donated back.

There are soem 'budget' cremation services where they will collect body.. drive to a crem and return ashes for a budget fee.. i've read about these but not researched them fully yet.. this was something i thought of as an option for disposing of me as all that matters to me is my ashes are let free after cremation.

Funeral expenses are very high.. and the grieving family can be left feeling very awkward trying to pick the cheapest options.. i always think its good to discuss this sort of thing

I know my parents wishes.. and what they have planned as a budget but just really hope it never happens

POPPYOSCAR

BigYin wrote: »

Looked into that but can't do it, all sorts of red tape to get through that would stop it.

Why is that.?

I did not even know it was possible until I saw a house was for sale recently where both the husband and wife were buried in the garden.

It did not seem to put buyers off. One was interviewed saying that it proved how much they must have loved the house and been happy in it to want to be buried there.

Tanswell88

When my dad died, my mum had the option of a payment plan. She didn't need it as they had savings luckily.

However, just a thought...is it possible that she DOES have life insurance she just doesn't want you to know about it yet?
My dad had another insurance that none of us knew nothing about and it only came to light after he died.