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Where There's A Will, There's A Way

Where There's A Will, There's A Way

Aviva‘s latest Family Finances Report highlights very clearly the lack of planning people generally have in place should they die. It also reveals that although families know they should plan ahead for the inevitable, they find it difficult to have those important conversations. 

The report suggests that 62% of people feel that death is a taboo subject. These figures are borne out by similar figures issued by the Dying Matters Coalition which suggests that 72% of the public believe that people in Britain are uncomfortable discussing dying, death and bereavement.  Furthermore, just 18% of British adults say they have asked a family member about their end of life wishes.

A good starting point is making a Will. Some of the potential issues if you do not make a Will are as follows:

  • You cannot be sure that those you would wish to benefit will actually do so.
  • Your spouse or civil partner may not inherit all of your estate.
  • Although the term "Common Law" husband or wife is frequently used to describe a couple who have lived together for many years, such relationships have no legal recognition. As such, your partner may not be entitled to anything.
  • Minor children could be taken into care whilst Guardians are appointed, yet the Aviva report suggests that 54% of parents have made no plans whatsoever, including 28% who don’t think they will ever need or want to plan for childcare if they pass away!!
  • There could be lengthy delays for your beneficiaries and disputes.

Despite all of this, only 35% of the public say they have written a Will. 

Organ donorship was addressed by only 27% of those surveyed, a decision which can have such a positive influence on someone else’s life. Protocol recently changed in Wales, where a system of deemed consent has been introduced, hoping to increase the number of organs available for transplant. So the Welsh authorities have decided to take the initiative, and save us from finding the right time to have a difficult conversation.   

How can we make end of life discussions more comfortable?

Sometimes people feel motivated to talk about funeral and financial planning after the painful loss of a loved one, especially if they experienced difficulties settling that person’s affairs. But can we be pro- active rather than re- active?

Discussions and pre-need planning means families have no doubts about the funeral their nearest and dearest wanted, or how they wanted to distribute their estate. Even if the funeral is not pre-paid, final wishes can be recorded   informally in a letter, or formally in a Will. If recording your wishes in a Will, it is worthy to note that those wishes are not legally binding on your executors. However, once the subject of a Will is open for discussion, perhaps related matters follow more easily.

The loss of a loved one at any time can be very difficult, both emotionally and financially. Not only are you left dealing with the grief of your loss, but you are also left making potentially significant financial decisions at a time when you are least able to cope.

The bereaved families we help at Rowland Brothers International after a tragedy away from home are often shocked and numb after receiving tragic and unexpected news, but questions are very similar from one family to another. Do they need to register the death again? Which local authorities will accept a foreign death certificate? Will they need translations? If there was not a Will, are there any surprises in terms of inheritance? Who can or will look after young children left without parents, or who can access financial accounts? Or who will administer the estate and who will inherit what?

In May 2016, we are supporting a nationwide event in the UK called Dying Matters Awareness Week. This year’s event is entitled “The Big Conversation", encouraging families to think about the future, and take responsibility for planning ahead to support their families.

Rowland Brothers Funeral Directors and its sister companies Golden Leaves Funeral Plans and Lifecare Planning Solutions are hosting events to raise awareness and encourage discussion about end of life matters. We hope that our events will break down barriers and encourage conversation about a topic that is easy to ignore, but vital to address.

Written By Steve Rowland, Rowland Brothers International

For further information: steveATrowlandbrothers.com (replace AT with @)

 

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iPMI Magazine Articles

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Learn More About Emergency Medical Evacuation And Repatriation Insurance Plan Coverage

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Kuwait To Launch New Expatriate Healthcare System

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Understanding PMI And IPMI Market Size Per Country

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Hacks Tax and Expatriates

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Where There's A Will, There's A Way

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Aviva‘s latest Family Finances Report highlights very clearly the lack of planning people generally have in place should they die. It also reveals that although families know they should plan ahead for the inevitable, they find it difficult to have those important conversations.  The report suggests that 62% of people feel that death is a taboo subject. These figures are borne out...

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The IRS Moves Towards Implementing The Cadillac Tax

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There are more than 1.5 million seafarers in the world. A majority of these seafarers now have a right to be protected through national laws and practices applying the MLC, 2006 to the ships on which they work. Title 4 of the MLC covers Health Protection, Medical Care, Welfare and Social Security Protection. From August 20th 2013 all vessels over...

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Critical Considerations When Designing Individual International Private Medical Insurance Plans

Critical Considerations When Designing Individual International Private Medical Insurance Plans

Introducing a business into new emerging markets is the response from worldwide business owners to the preeminent mega trend that is globalisation. Establishing a global footprint may be of pivotal importance to a wide range of industry, and according to PWC, cross-border assignments are showing no signs of a slowdown. In fact, 59% of CEOs plan to send more staff on...

26-08-2015 Articles Case Studies

What Are The Key Differences Between An iPMI And A Local Insurance Plan?

What Are The Key Differences Between An iPMI And A Local Insurance Plan?

In a recent International Private Medical Insurance Magazine executive round table business forum, we spoke with leading C-Level executives about the major differences between international private medical insurance plans and local insurance plans. As expatriate hot spots around the world continue to mandate insurance cover for expatriate employees, under various visa and employment laws, questions from the business community continue to...

26-08-2015 Articles Case Studies

Shipping Losses Lowest For 10 Years But Mega-Ships And Cyber-Attacks Pose New Threats For Maritime Sector

Shipping Losses Lowest For 10 Years But Mega-Ships And Cyber-Attacks Pose New Threats For Maritime Sector

75 large ships lost worldwide in 2014, down by a third year-on-year. South China and South East Asian waters top loss hotspots. Increasing size of container ships and floating offshore facilities could cause larger losses exceeding $1 billion. Cyber risks a growing concern in shipping sector, particularly around e-navigation. Crewing levels, Arctic shipping, the increase in human trafficking by sea...

26-03-2015 Articles Case Studies

U.S. Employers Expect Health Care Costs to Rise 4% in 2015

U.S. Employers Expect Health Care Costs to Rise 4% in 2015

Companies plan to continue subsidizing and managing benefits while taking aggressive action to keep costs down. U.S. employers expect a 4% increase in 2015 health care costs for active employees after plan design changes, according to global professional services company Towers Watson (NYSE, NASDAQ: TW). If no adjustments are made, employers project a 5.2% growth rate, putting absolute cost per person...

21-08-2014 Articles Case Studies

How Can Corporations Improve And Manage The Life Cycle Of Their Expatriate Workforce?

How Can Corporations Improve And Manage The Life Cycle Of Their Expatriate Workforce?

It isn't easy living as an expat and a mix of social, economic and personal circumstances can lead to failure and return. This is one of the big hidden costs of expatriation. The expat quits the assignment and wants to return to their country of residence. On return, they may also leave the company forcing downtime, time and economic expense and...

21-08-2014 Articles Case Studies

What Has The Maritime Labour Convention Meant For The Insurance Industry?

What Has The Maritime Labour Convention Meant For The Insurance Industry?

The Maritime Labour Convention 2006 (MLC 2006) was adopted at a Maritime session of the International Labour Conference (ILO) in 2006 and came into force on 20th August 2013. There are more than 1.5 million seafarers in the world and a majority of these seafarers now have the right to be protected through national laws and practices, applying the MLC 2006 to...

21-08-2014 Articles Case Studies

Defining International Assistance In 2014

Defining International Assistance In 2014

International tourist arrivals grew by 5% in 2013, reaching a record 1,087 million arrivals. Despite the current global economic climate, international tourism results were well above expectations, with an additional 52 million international tourists travelling the world in 2013. For 2014 the UNWTO forecasts 4% to 4.5% growth, above the long term projections. Demand for international tourism was strongest for destinations...

20-08-2014 Articles Case Studies

Managing Risk And HR Asset Protection In The Oil And Gas Industry

Managing Risk And HR Asset Protection In The Oil And Gas Industry

The recent Al-Qaida attack on a natural gas facility and subsequent hostage situation in Algeria, represents some of the extreme dangers Oil and Gas workers face 365 days a year. Originally published 29/1/2013. Militants stormed the Tigantourine natural gas facility near In Amenas with dozens of people killed. Tragically when Algerian military forces stormed the facility, more fatalities were caused. This dramatic...

06-03-2014 Articles Case Studies

The Advantages of Telemedical Consultation

Written By Frank Reuter, Reuter Consulting http://www.reuterconsulting.com Telemedical consultation, which may also be referred to as telemedicine or telehealth consultation, focuses on providing patients with the best possible telephonic advice, independent of the location the caller is in. This method of advice is already common in the United Kingdom and Switzerland and is gaining international momentum. The use of telemedical providers plays an...

19-08-2013 Articles Case Studies

International Assistance Group Core Partner AA International Evacuates Shotgun Wounded Tourist

AA International, Core Partner of the worldwide network of assistance companies, International Assistance Group, received a request from a German Assistance company requesting to organise a medical evacuation of an injured German National from Jayapura, Papua to Singapore. AA International immediately organised the appropriate team and its own air ambulance, a Learjet 35A, for the mission. AA International departed with an...

19-08-2012 Articles Case Studies

International Assistance Group Core Partner ihi Bupa Evacuates British Road Crash Victim from Somalia

A 53-year old British ihi Bupa Travel member was recently involved in a serious road accident in Somalia. Once at the ER in a local hospital, the member’s friend contacts ihi Bupa’s 24-hour assistance service team requesting an air ambulance evacuation. Shortly after the member has been evaluated, ihi Bupa’s medical consultant speaks to the treating doctor. This is the...

19-08-2012 Articles Case Studies

Air Medical Transportation Europe

  Düsseldorf 08:00 AM: A call comes in to operations of Jet Executive, JEI: a 30 year old man vacationing on Mallorca, Spain is suffering from a fracture of leg and rip after a motorcycle accident. While speeding on the highway he hit a pole. The girlfriend of the patient was sitting in the back but luckily she didn’t have any...

01-02-2012 Articles Case Studies

Business Trip Security Development Of Company Risk Management Plans

Written By Frank Reuter, Reuter Consulting http://www.reuterconsulting.com Companies are often careless about “Business Trip Security”. Only few purchase adequate travel insurance programs. Efficient risk management for employees and for the company itself is the exception. This is considered negligent as organizations have a general statutory duty of care towards their employees. The “EU Corporate Manslaughter and Homicide Act”, which is planned...

19-11-2011 Articles Case Studies