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When one of my friends died recently, her family really struggled to pay for her funeral, which cost more than £3,000.
Her children are still paying it off now, even though she died about five months ago.
I am a widow of 68 years old. I do not have a large income or a lot of savings. However, I really do not want my son to have to struggle as my friend's children have to cover my funeral costs.
I have read about funeral savings plans. Is it worth paying into one to ensure he does not have the stress of paying out more than he can afford when I die?
G Hanson, Liverpool
Dear Ms Hanson,
According to recent figures from SunLife, the average funeral in the Northwest, where you live, costs £3,381.
Its research also shows that one in seven of those who have organised a funeral in the past few years have had to borrow money or dip into their savings to cover a typical shortfall of £2,334.
To help with this, it has launched a funeral calculator to help people work out how much their funeral is likely to cost, and created an online tool to help them communicate their wishes to their loved ones.
Both are free and will help you to make life easier for your son. Funeral plans, however, are often an expensive way to save towards your funeral costs.
I would therefore recommend taking out an over-50s life insurance plan instead. These pay out a lump sum - that can be used to cover the cost of your funeral - when you die and can cost less than £5 a month.
You can find out more about these policies, which are offered by a number of insurers including Aviva, Saga and SunLife, here.
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