Funeral Plans - Page 2

Thanks Kim!

They have even knocked on my front door,canvassing in the area. If a company needs to do that,there is some desperation in this. We started going into Carrefour by the top door to avoid them,but I like going in Bijou. I have to fight them off,but even then,as we walk away with our backs to them,they shout after us asking questions. Not professional. 

May I make a suggestion: if approached by an Avalon rep at Carrefour, keep walking on by, whilst saying, "We're already customers, thanks". We say this, if approached by their reps in Zenia Boulevard, and although it's true in our case, we've never been asked to prove it 😄

Kind regards,

Kim

To ask you to prove you are an Avalon customer,would be going too far,even though they are cheeky enough to do that.  

They have NOT asked me to prove I am a customer and I wouldn't expect them to.  I was simply offering a suggestion that may save you from having to "fight" them off.  If you choose not to try it, that's your prerogative.

Regards,

Kim

Avalon came to my attention in 2011 having being  highly recommended by several people who had dealt with them. Some friends & I took out a plan that cost  just over €3000 per person at that time. but  knew it increased in line with funeral costs each year They were polite & efficient &,  like Kimmy11 I tell them I am a customer if they stop me anywhere -- they just reply .... ok thank you & I go on my way. Ive never experienced anything but politeness from their staff

I will be doing some research into this subject myself soon. I was just wondering if what is being discussed is a monthly plan that you pay into until you reach a specific amount? 

Hi Glen,

Different companies offer different types of product.  We've bought a 'plan' with Avalon - we paid the full amount (Eu 4,300) as a lump sum, but I know another member who pays the cost monthly over a pre-defined period.  The advantage of buying a plan is that you're covered immediately.  Of course, if you're unfortunate enough to sign up and get run down by a bus the next day, you may think you haven't had good value for money; conversely, if I last as long as my Dad (92 and still going strong), that would represent very good value, as the cost of funerals in 33 years' time is likely to be considerably more than Eu 4,300!  The funds are held in an irrevocable trust in the UK, so subject to Financial Conduct Authority regulations.  I believe Golden Leaves works on the same basis, but you should double-check.

A friend has funeral 'insurance' with Sabadell bank , but there is a 1 year 'qualifying period'.  Unfortunately, her husband died unexpectedly within the first year and she was given no credit for the payments they had already made.  Of course, this type of cover is generally more affordable, but like all insurances, the cost of premiums can increase.

In this area, GrupoASV (link shared in my earlier post) conduct the cremations, irrespective of how you are covered for funeral costs, which is why it's cheaper to go direct to them and cut out the 'middle man'.  But it really depends on how you and your partner feel about coping on your own, in the event that the other passes away.  We've witnessed, first-hand, the excellent service from Avalon in handling both funerals for my husband's parents.

Kind regards,

Kim

I have an appointment with my Sabadell bank to discuss their funeral insurance and what it offers. Otherwise I will be going with LV for a fixed sum under my UK address.

We asked Liverpool Victoria would they pay out if we moved to Spain. Yes,they will as long as the monthly fee is taken from our English bank.  We moved here lock,stock,and barrel,so don't have a uk address. This doesn't matter,we regularly get letters from them here,regarding voting etc. We get a payout of £2.500 each,which is more than enough for the basic creamation here.