Funeral cover for child

[Lunarmoonbie]

Posting here for traffic sorry.

Just curious to know how many of you have funeral cover for your children? Feel free to also explain your reasoning for having it/not having it

YABU = No
YANBU = Yes

Are you planning a business idea that is based on exploiting parents' worst fears?

Research for what purpose?

Either buy it for your family, or don’t.

Having been involved in arranging children’s funerals for a previous job, a lot of it is covered. Things that aren’t are often donated or fees waived, or grants available. Therefore funeral insurance really only feels relevant if you envisage something spectacular (for want of a better word) that goes above and beyond the normal expectations of a funeral. Which is, of course, absolutely fine and a parent’s right to choose.

So sad... thank you for the clarification on whether it is completely free too. I too agree with communities rallying but apparently I should have a policy in place. I would never dream of that personally, I was curious to know if this is generally what people do

general consensus being that parents should be taking out policies for their children as standard practice and not needing to rely on others to support.

General consensus amongst whom ?

I've never heard the question even asked, let alone be something anyone that I am aware of would see as a normal thing to do, to insure against funeral costs.

No. I wouldn’t entertain having to plan for the loss of my children but in any event covering the cost would be no issue

No. But they all have savings accounts that would be used for a basic funeral if need be.

Lmao just go away if you have nothing relevant to add. I didn't need to say but have elaborated as people have asked questions. I have nothing to hide so more than happy to answer. If you haven't already read my other posts, I'll explain why I asked - a young person passed away and the family have created a gofundme to cover funeral costs. People are asking why they didn't have funeral cover, I didn't know people generally did this for their children, apparently I am wrong so I just wanted to see whether it's as common as I'm being told it is.

I can’t imagine all that many people feel this is altogether necessary in the UK, thankfully.
Of course it isn’t a rule that children’s funerals are free but some fees are sometimes waived. Most people hope that they’ll be in the lucky majority that won’t ever have to trouble themselves with such costs I expect.

Me neither but I am being told that's what people do apparently hence why I asked here because I'm not convinced it's true

For myself...

I'm not interested in buying a policy. I'm interested to know whether it's common to take out such a policy for your children

No because you can't get death cover for children .you can get them a plan to come out at 18 but it's not for death .I would never because I would never want to think of such a thing

I thought this too but according to google you can take out family cover - I didn't go through the policy to see what it actually includes though. And also me too

We do have this cover but not as a separate policy, it is included in another policy we have.

It’s an interesting & sad post though, there have been unfortunately quite a few children die locally this year and every time there has been a go fund me set up and shared on local pages for funeral costs so I assume it’s not something most people have cover for. The last two posts on local pages for this did receive some quite harsh comments re. “begging for money” and people far less willing to donate so it may be something people have to start including unless they have the money there.

I used to be a funeral arranger (SE England). Most, if not all Funeral directors I knew didn't charge for a child over 23 weeks gestation up to 18 years of age. The crematoriums and cemeteries waived their fees too, as did the funeral celebrants/clergy. The only expense for families was for a burial headstone/urn, and stationery such as order of service.

No it really is sad 😞 and that was the reason for the post, I am seeing those types of comments on a young lads fundraiser and honestly I'm shocked and disgusted.

I had funeral cover for my (elderly) mum, she paid into it for 20 years, they paid out approx £2k, which was a pittance compared to what she had paid in, and didnt come near what the funeral cost, absolute scam unless you die early which for children is less likely 🤔

Apparently there was a spate of child murders in the 19th century to claim insurance funds so child insurance was outlawed.

The waiver of celebrant fees for child funerals was led by churches who pay priests a salary. The funeral fee was for upkeep. For Humanist and other self employed celebrants it is a hit to income. But they waive it because everyone else does.

The people that are nasty enough to comment publicly like that about a family’s donation page after they've lost a child are just being idiots for a cheap kick. They clearly have no idea what has to be done or paid for when someone dies, luckily for them, and they don’t deserve you to give their comments any credit or value.

Totally agree but had to add my 2 pence because I couldn't see such nastiness and say nothing

Reported.

You're talking on a thread about a deeply upsetting subject and you think that kind of response is appropriate

But yes, the other poster is correct, research is not allowed. It's in the T&Cs.

Why?

Report me then

People talk about things that could potentially upset someone all day on here and in real life. Death, infertility, cheating, terminal illness etc. I'm not obligated to be nice to anybody who isn't being nice to me. For those genuinely wondering why I asked, I politely responded and explained. I don't think research for personal reasons falls under the type of research they are referring to in the t&c's, you are just being pedantic because in that case there are several threads asking for personal opinions on a matter or asking to vote on a matter, I just happened to call it research. If you don't wish to be a part of this thread then please leave