Living Tributes | A Life Well-lived Should Never Be Forgotten
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Find a living tribute

Living Tributes are accessible by family and friends anywhere in the world, twenty-four hours a day, seven days a week. Unlike traditional printed obituary notices, which have limited exposure and are gone after just one day, Living Tributes will remain available on an ongoing basis to succeeding generations.

Living Tribute

An extended, personalized life story accessible on an ongoing basis on the Internet. A Living Tribute can be an obituary or a biography and includes a photo.

Personal Tribute

A Personal Tribute can be a special written memorial by a family member or friend that can include a special letter, story, poem, eulogy.

Guest Books

Guest Books allow family and friends from anywhere in the world to express their sentiments either by simply signing their name or offering condolences.

Heirloom Book

Living Tribute Heirloom Books provide a complete compilation of the Living Tribute that includes all Personal Tributes and photographs.

Capture Moments
Living Tributes honor and preserve life stories now and for future generations.
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Add a tribute

With a Living Tribute, an entire life story can be chronologized and preserved with a biography, obituary, stories, letters, poems, tributes or photos. Help celebrate your loved one’s life story with a Living Tribute. Share your Living Tribute with family and friends anywhere in the world at any time of the day or night. Preserve those precious memories now so they will be available to future generations.

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Should you have a funeral plan in place?

Funeral plans and funeral insurance provide two different ways for you to pay all or part of your funeral costs in advance. This will mean that your loved ones will have a much smaller financial obligation when you pass away. In this guide we’ll be explaining how funeral plans work along with other useful information that you’ll want to be aware of before buying.

Funeral insurance is also sometimes referred to as an ‘over 50s plan’. If after reading this guide, you feel that you would benefit from having this insurance policy in place, we recommend comparing providers at Utility Saving Expert. It’s quick and easy to get a FREE no obligation quote in minutes. You can filter plans by price and also see what key features each policy includes.

Why should I have a funeral plan?

How much a funeral will cost you and your family will depend on how you wish to be sent off. Some funerals can be very complex and cost thousands of pounds, while others can be very simple and cost far less. For example, you may want horses, a beautifully constructed coffin, a marble tombstone and hundreds of guests. Alternatively, you may just want to be cremated. What you choose will depend on your personal and religious beliefs.

No matter what plan you have in mind, lots of people are concerned about how much it will cost their family when they die. By having funeral insurance, you can plan and pay for it in advance, this means your loved ones may not have to pay the entire cost themselves. You can buy a funeral plan for yourself or someone else, but the funeral must take place in the UK.

It’s important to know that a pre-paid funeral plan isn’t the only option to pay for a funeral in advance. You do have other options, some of which we have listed below:

Savings account – You can deposit money into a savings account, either in one lump sum or monthly instalments.
Paying from the estate – Anything you own such as a property or possessions could be auctioned or sold off to cover the costs.
Death in service through an employer – Some companies will pay out an amount to your next of kin if you die whilst you are still employed. While useful, this doesn’t cover those that are retired.
Life insurance policy – If you have a life insurance policy in place, any lump sum received by your family could be used to pay for the funeral.

How does a funeral plan work?

Simply put, with most traditional funeral plans, you will be expected to pay in advance. This could either be through monthly instalments or a payment in full. The money will go directly to the provider, or to the funeral director responsible for this event.

It’s worth looking into what each plan offers before buying, as they are not all the same. Some may not include a religious service, and others may only partially cover burial costs.

The money you pay will be invested into a trust fund or into an insurance policy. Regardless of which option is selected, your money will be safeguarded until the day that it is required. This will ensure that it is only used for the purpose of paying for the actual funeral.

How does an Over 50s plan work?

An Over 50s plan is just another insurance scheme, any money you pay into the scheme, you will not be able to withdraw. One of the key advantages is that these plans do not require any medical underwriting, this means that the amount paid out will not be based on any pre-existing health conditions.

However, it’s worth knowing the disadvantages to this insurance type. Failure to make a payment or not keeping up to date with payments may mean that the policy could be cancelled and you will not be able to reclaim anything you’ve already paid in. Other drawbacks include the following:

Some plans do not increase the pay-out based on inflation.
A life insurance policy could potentially pay out an additional 40% according to online consumer magazine Which?
Normally, you will need to live for more than two years to receive the full payment on this policy type.

Will my money be safe?

It’s worth noting that the FCA (Financial Conduct Authority) does not regulate funeral plans that are covered by an insurance policy or through a trust arrangement. Some policy holders recommend paying by credit card, if you’re paying in advance, whether it be in part or full. This is because you will be protected by Section 75 of the Consumer Credit Act.

If you do decide to take out a funeral plan, make sure you read the terms and conditions in full so you’re aware of what is covered, along with any policy limitations and exclusions. Keep your policy documents in a safe place and inform your next of kin along with letting them know that you have already paid for this.

Ways to honor soldiers on Memorial Day

MEMORIAL_DAY

Fly the flag

There is a hidden secret behind raising and waving the flag at Memorial Day. Abiding by traditional flag etiquettes, the flag is raised at half-staff from sunrise to noon to commemorate and pay respect to those soldiers who gave their lives fighting. And afternoon, the flag is raised at full-staff for the remainder of the day in remembrance of those active and living veterans who continue to carry on the proud flag on active duty.

Show appreciation

Displaying respect and affection can uplift and motivate soldiers on duty and active on the field. Saying words as easy as, “Thank you” can make their day regardless of what harsh environments and circumstances they endure. You can show your gratitude by sending a thank you letter or a thank you bouquet.

Help military families

Any helping gesture is highly appreciated in a military household. Simple gestures such as helping families with their chores, donating blood to valuable organizations that aid soldiers and old items and clothes which are of no use can be recycled and given to families of soldiers KIA or killed in action.

Visit a cemetery

Do not let the graves of respected soldiers lie in dirt and debris. Instead, visit the cemetery and help clean and decorate the soldier’s tombstones with flags and flowers. It is a great way to display respect for those who gave up their lives for the freedom we enjoy today.

 

Attend a memorial service

It is part of the Memorial Day custom to host patriotic parades, concerts and ceremonies. Moreover, taking part in such patriotic festive activities can help show the younger ones the importance of the Day and will make existing veterans happy.

Acknowledge a minute of silence

During Memorial Day, everyone in the nation is encouraged to maintain silence for a minute at 3 pm, local time in Memorial Day to remember the sacrifices and acts fallen soldiers.

Keep the history alive and active

Conduct feasts and picnic activities with everyone in the family along with those having a prior history in the forces. Tend to ask the veterans to recite their tales and war stories for the whole family to listen and apprehend the seriousness of the pain and sacrifices soldiers encounter every day on duty. It is because of their blood, tears, and sweat; we enjoy the freedom bestowed on us today.