Funeral Plans..Sorry To Be Morbid..

I think @shiney 's right here. You're actually looking at 14 years to pay in the £2000. But, what you have to remember is that if you live on further everything you pay in may go directly to the companys profits. Some companies offer a fixed rate others don't. I personally wouldn't touch any of these schemes. I would go for good old fashioned Life Insurance or even something such as an ISA.

 

Sure, it certainly will get paid back - its just a matter of time / logistics while we work out the optimum way to transfer everything over to Mum without making it any more difficult for her.

 

The problem without a will goes beyond the funeral. That's where it can get messy.

It's particularly important where people are in a relationship rather than being married. Making a will sometimes seem like "inviting death" to some people and they put off doing it.
A couple can have a long term loving relationship, but without a will there may be disputes over who gets what in the event of the death of one.
Our daughter isn't married, but has been with her partner for 25 years and they have four kids, she is joint owner of their three properties and has a 50% stake in her partner's business, although she takes no part in it.

It's also important to keep an "ICE" file. My wife has never had any interest in our financial affairs (other than spending money). She has no idea of what investments I have, not that they are substantial. But all the details and "what to do" are recorded in my ICE file. I've a two drawer metal foolscap filing cabinet under my work station, with files for "everything" so anything necessary is easily accessible. (I use the word "work" just to describe it).

 

No experience of funeral plans @Kandy but I couldn't read this without offering my sincere condolences on the sad passing of your brother; must have come as quite a shock to you all, most especially the circumstances of how he was found.

My thoughts are with you and your family at this sad time

 

I stand corrected amended post