No one wants to bother writing the terms of their own burial, and yet. A serious illness, old age, push some French people to anticipate the aftermath by taking out funeral insurance. But how to do it and what is the age limit to subscribe?
Even if we are aware that “Fear does not avoid the danger”, it is sometimes difficult to prepare one’s own departure as well as possible. Subscribing to an insurance contract is, however, the optimal solution for enforcing one’s rights and wishes after one’s death. Moreover, if all the steps that constitute a funeral seem organized on D-Day, it is very often because the preparations for the funeral and all its orchestration depend on decisions carefully taken by the deceased, during his lifetime.
Why take out funeral insurance?
Preparations for a funeral ceremony can be heavy, and settling them at a time when you have to deal with mourning can represent a real administrative burden. Not to mention the unwelcome tensions between members of the same family, related to the cost and preparation of the ceremony.
If the deceased has, during his lifetime, planned all the terms of his funeral with dedicated insurance, he avoids an additional mental burden to those around him. According The Republican Eastthere would also be no less than 500,000 French people each year to sign a funeral insurance contract for provident purposes(1).
What is the best age to take care of it?
But then, at what age is it best to take care of it? Is there an age limit to subscribe? Whether by a subscription of acapital funeral insurance(2) (specified sum, almost total funeral costs) or in benefits (detailed organization of the ceremony, choice of coffin, religious ceremony or not), it is better to subscribe to it early enough.
The subscription of a funeral insurance contract can be done from the age of 18 ; the age limit for membership being set on average at 80-85 years old, depending on the insurer you choose. But there is not really an ideal age to subscribe to it; all being to assess the capital amount that you wish to invest in your contributions for this funeral insurance.
Good to know :
Not to be confused with funeral insurance, death insurance characterizes another way of preventing his departure. Preferred by working people or young retirees (60 years old on average), this second option makes it possible to meet part of the financial needs of their family and to support them, by bequeathing them a certain amount of capital, issued in the event of premature death. It is not used to directly cover funeral costs. Moreover, did you know that the earlier you take out death insurance, the lower the contributions and the fewer medical formalities? As for any contract but particularly for this one, the data of the age and the state of health are decisive in the amount of its tariff.
So, even if you don’t care to take care of it as a young worker or when you see the birth of your first child, for fear of bad omens, contracting such insurance can protect your loved ones for the future. .
Content produced in partnership with lecomparateurassurance.com. No member of the BFMTV editorial staff participated in the production of this content.
Sources: (1) The Republican East, (2) The Voice of the North