The Meeting Place

Funeral Insurance

Case study

In 2006 Pamela took out a funeral insurance policy. She told the telephone salesman that she could afford premiums of $30 per fortnight. She was told that if she took a “stepped premium” the premiums would increase only by “little amounts” each year. She initially took out a policy for $7000 cover at premiums of $30.63 per fortnight.

By 2013 the premiums had risen to $62.97 per fortnight (a 100% increase), but her cover is only $8500 (a 20% increase).

Throughout this period Pamela’s only source of income was the aged pension. Her situation now is that after paying for her nursing home accommodation and funeral insurance, Pamela has $10 per week to live on. The premiums are expected to rise again next year and the policy will soon require more to be paid in premiums than she has each month after nursing home care. When that happens Pamela will be forced to cancel her insurance policy and all of her payments will be lost.


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Perhaps we should bring in some forward thinking in regards to disposing of bodies like they have in Washington through human composting.

The novel approach, known as “recomposition” involves placing bodies in a vessel and hastening their decomposition into a nutrient-dense soil that can then be returned to families.

Human composting creates an average of 0.764555 cubic metre of soil per body, or enough to fill about two large wheelbarrows.

How wonderful for nature this would be .... at long last humans would be able to return something to rehabilitate some of the damage they have caused during their stay on earth.

Just the start of solent green 

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