Death is a universal truth, an inevitable reality we all must face. Despite its certainty, many of us shy away from preparing for it, often due to discomfort or denial. It’s a topic we’d rather avoid, yet it is essential to address it head-on. This post will delve into why funeral cover is not just a precaution but a necessary step in financial planning.

Why We Avoid Planning for Death

There’s an eerie stigma surrounding the concept of “death readiness.” Many of us feel uncomfortable discussing or preparing for our own death. This discomfort is often amplified by cultural beliefs and superstitions. “I’m not going to die anytime soon,” is a common sentiment. Some even believe that preparing for death is akin to tempting fate or inviting negativity.

But consider this: even Jesus prepared for His death and ensured His loved ones were cared for. If even He prepared, shouldn’t we?

The Reality of Death

Death is not a matter of “if” but “when.” It will happen to everyone, regardless of our plans or desires. Despite this certainty, many of us remain alarmingly unprepared, especially when it comes to the financial aspects of death.

The financial burden of a funeral can be substantial and often comes at the most inconvenient times—when funds are low, and friends and family may also be struggling. This can lead to stressful situations, such as urgent appeals for financial help or fundraising efforts that place undue pressure on everyone involved.

The Solution: Funeral Cover

One of the most effective ways to prepare for the financial impact of death is by securing funeral cover. This policy ensures that, should the need arise, your funeral expenses are taken care of without placing an additional burden on your loved ones.

Here’s the Plan:

For a premium of KES 4,000 per principal member per annum, you can secure the following coverage:

• Principal Member: KES 100,000
• Spouse: KES 100,000
• Children (up to 4): KES 50,000 each
• Parents (up to 2): KES 100,000 each
• Parents-in-Law (up to 2): KES 100,000 each

This plan ensures that should any of the covered individuals pass away, their funeral expenses will be covered within 48 hours of reporting.

How to Get Started

1. Onboarding Requirements:
   • Certificate of incorporation or a memorandum of understanding for registered groups
   • An Excel sheet with the principal member’s details and those of their spouse, children, parents, and in-laws.
2. Claim Requirements:
   • Copy of ID or birth certificate of the deceased
   • Copy of ID of the principal member
   • Burial permit
   • For in-laws, include the birth certificate of the spouse

Planning for death is not about being morbid; it’s about ensuring peace of mind for yourself and your loved ones. By securing funeral cover, you can avoid the stress and financial strain of handling funeral expenses, allowing your family to focus on grieving and celebrating your life.

Reach out to me for more information and secure your funeral cover today. Taking this step ensures that, when the time comes, you and your loved ones are prepared and can focus on what truly matters.

Tamara Were
Your Senior Financial Advisor