If the thought troubles you, it should. Irrespective of your position in the family – whether you are a husband or wife; father or mother; or even son or daughter – your passing will be the one single event that impacts your family and loved ones the most, both emotionally and financially. So why are we ignoring it? What do we need to do?
The answer is simple: you should pre-plan.
不管您在家里是什么身份地位 – 是丈夫还是妻子；父亲还是母亲；甚至是儿子还是女儿，无论在情感上或经济上，您的离去都深深影响着你所爱的家人。那么，为什么我们要忽视它呢？我们需要做些什么呢？
When the unthinkable happens, the financial responsibility of your last rites now falls on your family. The average funeral is priced upward of RM20,000 excluding burial plot or columbarium costs. Without any pre-planning or funds set aside, imagine the financial stress such an event places on your family. By pre-planning, you can prevent this by assuming the responsibility yourself.
By pre-planning early, you will be able to look around and compare services and prices before committing to any decision; instead of waiting until a crisis occurs when your family will be pressured into making unnecessary choices during a stressful and emotional time. You will also be able to involve your family members in all your decisions.
Through pre-planning, you will get to decide and have final say on every detail of your final send-off without burdening your family with questions and doubts as to what your final wishes are. This way, both you and your family are assured that everything will be taken care of, exactly as you have decided without leaving any reason for dispute.
Through pre-planning, you can enjoy the option of paying over time through an instalment plan compared to having to pay a huge lump sum in an immediate situation when death occurs. This helps lighten your financial burdens and you will be able to plan your commitments easier.
One of the costliest and most often ignored events of a person’s time on earth are end of life affairs. It is only sensible to prioritise pre-planning to complete your financial planning in life. By pre-planning, you will enjoy greater peace of mind knowing all your affairs are in place and the knowledge that your family will one day receive the greatest gift of love in your absence.