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Funeral Plan
‘I am not particularly frightened of dying, I just don’t want to be there when it happens’ – Woody Allen.
Making arrangements for their own funeral is an uncomfortable topic for some people, but no less of a necessity for that. We routinely take out insurance protection against events that we hope will never happen (car crash, house burglary etc) and which for most people never will, yet we shy away from facing up to what is 100% guaranteed to happen to all of us at some point; only the timing is uncertain. The importance of doing this however, especially here in Spain, simply cannot be overstated.
We make wills without feeling awkward, and we decide what to leave to our loved ones, but there are also things that we would not wish to leave them with : the burden of high funeral costs when payment is required immediately and at a time when bank accounts are often frozen; the worry and stress of all the arrangements at a time of great upset; coping with the speed with which these things are done in Spain; and attempting to handle all of this with the added pressure of a different language and culture. Simply leaving all of this to fall on the shoulders of a surviving spouse or partner is an abdication of personal responsibility; making sensible, planned arrangements is an act of love, being caring enough to insulate and protect those closest to you at what will be a very difficult time.
With the ASSSA funeral plan all these problems are solved – just one phone call and your arrangements are made and the necessary documentation provided. The other key benefits are as follows:
A modest annual premium (around €230 for a 60-year old) rather than full up-front payment (typically €4,000 plus) means your capital stays in the bank earning interest: this serves to reduce the net plan cost and leaves your capital intact and available as an emergency fund.
The age you join is the age you stay – premiums never increase as you age – so the younger you join the lower the premium. No medical is required, and as with all ASSSA services the plan is guaranteed for life.
Worldwide cover with repatriation back to Spain for the deceased a companion included; alternatively a payment is made towards the cost of the funeral in the country where the death occurs, if this is what family or next of kin prefer.
Three levels of cover to suit your own requirements /preferences with full accidental death cover effective from day one, and cover for death from natural causes from day twenty and, unlike an instalment plan, absolutely nothing more to pay should death occur unexpectedly soon.
For everyone’s peace of mind simply give us a call or visit your local office of Jennifer Cunningham y Asociados SL for further information. There is no more loving way to be 100% sure you have provided your family with the protection they deserve, and you can then get on and enjoy the rest of your life: and may it be a long and happy one!
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