Because of Covid, most of us have spent the last year and a half thinking about death much more than we wanted to. That means the holidays should be a time to put all that behind us and just have happy thoughts, right? Hm, not exactly.
Here at Haven Life, we actually think that the holidays are the perfect time to talk about death – yours, your family members' and how to deal with these financial decisions: ie planning the end of life. . In addition, we have statistical evidence that this year's holidays are usually a good opportunity to discuss the planning of the end of life with the whole family. Let us tell you why.
It is inevitable
As a society, we do not like to discuss death or plan how to deal with it. We find it unpleasant, sad, scary. But it must not go away.
It is said that the only thing that is certain in life is death and taxes, but there are many ways (legal and other) to avoid taxes. Death, not so much, so it's better to plan for the inevitable. The only thing that is worse than the death of a loved one is having to find out how to deal with that death ̵
The holiday, when everyone is gathered in one room (largely or not), is an ideal time to clearly communicate everyone's wishes.
Haven Life Plus Can Help
Haven Life Plus, a rider available to eligible Haven Term policyholders, has some services that can help with all of this and more, from partners Trust & Will and Lantern. Trust & Will, as the name suggests, is a company that allows people to make legally binding trusts or wills online in as little as 15 minutes. Qualified Haven Life customers can use Trust & Will's will services or create a trust free of charge.
A trust or will is an important part of taking care of your loved ones – if you do not have one, it is possible to Regardless of the family member, your loss will go through various (and laborious) legal processes to manage your assets, how your children will be cared for and other challenging things. For those who qualify, Haven Life Plus can make it all a lot less difficult.
Much of the rest of the end-of-life planning is covered by our latest partner, Lantern. They offer a comprehensive service with an easy-to-use platform for documenting wishes for the end of life. It allows people to make clear medical decisions about what treatment they want if they are seriously ill and what they want to happen after they have died. It removes the guesswork. The service makes it easy to specify which medical care you want when you are dying, to plan funerals and to make all other arrangements that become necessary when you have moved on.
The lantern is so extensive that it even addresses problems. you may not have thought it was relevant to end-of-life planning, such as what should happen to your TikTok and Twitter accounts and what kind of mood you might want at your funeral. Eligible Haven Term policyholders have access to Lantern's lifetime planning services, including pre-planning, post-loss planning tools and a one-on-one post-loss consultation, free of charge.
You told us. so
So that's how Haven Life can help you with your end of life planning checklist. But why do we think that pre-care planning should be something to discuss with your family during the holiday period? The answer is that you told us.
We recently conducted a survey of over 1,000 people to find out what topics they would – and would not – discuss around the table during this, the first normal holiday period since the start of the global pandemic. According to the survey, most (54%) plan to avoid politics conversations and many others (45%) strive to stay away from the topic of covid-19 (possibly because it has become so politicized).
So no politics, no current questions: What should you talk about with your family? Our survey shows that people are so desperate for uncontroversial topics that they are even willing to discuss difficult topics such as money (58% of respondents have already started doing so in the last six months). And this gives you a perfect opportunity to talk about the most universal topic of them all: our mortality.
We tend to think that topics like end-of-life planning are always easier personally (and 59% of our respondents agree) ), and the fact that you will probably be with your family for several days means that you do not have to jump out of the car and go straight into, "So mom, I've been thinking about you and my death …" You can start Once the conversation is over, give people time to think and get back to it. We would be lying if we said that it is guaranteed to be easy, but it seems that it will be easier than usual. Also, who hasn't thought about their own mortality more than usual lately? You can just as well make the best of it.
It's a Gift
There's another reason to tackle end-of-life care during the holidays: It's a great gift. Sorting out you and your family's end-of-life checklist – in the form of trust / wills, overall planning and life insurance – is one of the most selfless things you can do for your loved ones. Holidays that are full of complexity are neither fun nor comfortable. And is that not what the holiday is really about?