They are one of the difficult subjects to talk about. The funeral is naturally a difficult time for relatives. Very often it is they who take on the heavy task of organizing them. Fortunately, it is possible to make things easier for your loved ones by preparing and financing your funeral in advance.
Take it easy dear. This is one of the main reasons why it is good to prepare your funeral before your death. It is also a way for the future deceased to express their last wishes. While this may seem premature or a little morbid to you, you need to know this more than 40% of the French have already foreseen their funeral. If you are afraid that your wishes will not be respected, you should know that there is a law of 15 November 1887 on freedom of burials. The latter explains it “any emancipated adult or minor, in a state of probation, may determine all his funerals, especially as to the civil or religious character to be given them, and the manner of burial”. It will thus be the duty of your heirs to apply your last wishes. But instead of just writing them down on paper, why not prepare them directly and even finance them?
How do you organize your funeral?
First, you need to find out which funeral home will take care of your funeral. To do this, do not hesitate to look online at the funeral organizations near you. With them you will be able to subscribe to a personal service contract. This insurance allows you to choose the entire course of your funeral: the funeral, the casket, the choice of flowers or the master of ceremonies. With this approach, you can ensure that all your wishes are respected. You can also give your notary a certified registered letter to inform him of your final wishes.
Secondly, it is recommended thatanticipate the costs associated with your death. The funeral actually costs 3,500 euros on average. A considerable sum, which is therefore always good to anticipate. Either by putting money aside and specifying to your notary that it is a sum dedicated to your funeral. Either by paying the costs directly to the funeral home you have previously chosen. You can also choose to take out funeral insurance. In this case, you pay your costs directly to the insurance company.
How can I finance my funeral?
As we mentioned earlier, funerals represent a significant cost. To avoid imposing these costs on your loved ones, try as much as possible to set aside a certain amount. You can leave money in your bank account. If you choose this option, be aware that your loved ones will have to send the request to your bank, and the latter will make the payment to the funeral home. With funeral insurance, you can build capital through deposits. In the event of death, this capital is paid directly to the chosen undertaker. The last way to finance a funeral is payment by deduction from the estate. Part of the inheritance will be drawn to finance the funeral. Note, however, that this sum cannot exceed 1,500 euros.
In some cases, the Caisse d’Assurance Maladie may pay a death benefit to the deceased’s next of kin to finance the funeral. This is, for example, the case when a person who is still employed dies. Relatives can apply for social security up to two years after the death. In other cases, the pension fund or the mutual insurance company can sometimes finance part of the funeral. Finally, if the next of kin are destitute, the deceased’s municipality must bear the funeral costs. However, they will have to be able to prove their insolvency.
Content produced in collaboration with lecompareteurassurance.com. No member of the BFMTV editorial team participated in the production of this content.