Head-in-noose funeral plans

There was a good and much-needed hatchet job on whole-life insurance in the Daily Mail last month:

Funeral plans aggressively advertised to older people – often during daytime TV ads – have been exposed as a raw deal.

More than 4.5 million people hold these plans — otherwise known as whole of life policies — which pay out a guaranteed lump sum on death.

Firms try to tempt customers with ‘free’ gifts from pens and carriage clocks to M&S vouchers. But many will end up paying more in premiums than the policy will pay out and would have been better off using a savings account.

One of the most popular plans is promoted by chat show host Sir Michael Parkinson. He has been the face of Axa Sun Life’s Guaranteed Over 50 Plan for two years.

It pays out a guaranteed lump sum on death to cover funeral expenses and other costs. A key attraction is there is no medical and it guarantees to accept anyone aged between 50 and 85.

It also comes with a car satellite navigation system, flatscreen TV or pocket camcorder, plus £25 M&S vouchers.

Some experts question whether any of these funeral plans, offered by firms such as the Co-op, Aviva and LV= are a good deal unless you’re in very poor health.

You’d have to live to only 75 with the Axa plan before you would have paid in more in premiums than the guaranteed payout. The average life expectancy of a man is 78 and 82 for women. With the best-paying policy for a 50-year-old male — Engage Mutual — you’d have to live to 83 before you’ve paid in more than you’ll get out.

But you’d still be far better off in a savings account.

700,000 people have been duped the Axa plan. Extraordinary how the contemplation of death suspends the critical faculties. The contemplation of Parky, too.

Monday shorts

Death Ref got there first

Time was when I could tuck a story away for a slow news day and not give a thought to any other death blogger getting there first. Can’t do that any more. The story I had been saving up for today has, I see, already been aired on the excellent Death Reference Desk blog, so I suggest you pop over and read it. It’s a very good blog, DRD, run by brainy people.

Find it here.

Having found it and enjoyed it, test your powers of enjoyment by reading their latest post. Here.

Time to remember

Yup, it’s a mixed bag today. You might like to go over to Dying Matters now and see what they’re saying about Brits and remembrancing:

A survey released today has revealed that three out of four (75%) people in England do not set aside time with friends and family around this time of year to remember loved ones who have died.

Commenting on this Professor Mayur Lakhani, GP, Chair of the Dying Matters Coalition and the National Council for Palliative Care (NCPC), said:

“It is shocking that the vast majority of people in England don’t take time to remember dead loved ones. This is further compelling evidence of the wall of silence our society’s built around dying and death.”

It’s an interesting point, if not well made. Of course Brits set time aside to remember their dead, they just don’t have rituals to accompany their remembrancing, that’s the point. Actually, I’m amazed that as many as one in four do something with friends and family. What do they do, I wonder? They can’t all be grave tenders.

Full survey results here.

Gail’s marathon

I hope you’re keeping up with Gail Rubin over at her blog as she covers 31 funerals in 31 days. I thought at the outset that it would amount to a fascinating and valuable social document and that’s just how it’s panning out. She’s on #10 already.

Start here.

Bear necessities

Here’s a story I’ve been sitting on for far too long. The aftermath of Russia’s long, hot summer has left bears very hungry, it seems. So hungry that they have started wandering into graveyards and eating the tenants. “In Karelia one bear learned how to do it [open a coffin]. He then taught the others,” she added, suggesting: “They are pretty quick learners.”

Find the full story here.

Dark art

Finally, over in Dublin the painter known as Rasher is holding an exhibition entitled Womb to Tomb.

Womb to Tomb shows his darker side, which emerged when his mother Sheila was diagnosed with cancer. She died two years ago at the age of 62. Watching his mother’s health deteriorate caused a shift in his world view. “It made me think about life in a way I hadn’t before. I remember saying to myself, before this, I can’t be a controversial painter because I don’t think that’s who I am but in some ways I’ve been pushed into this.”

The first painting visible in the cramped studio is a huge work called Dead Man’s Bells . The colours, brilliant blues and pinks, and the swirling endless sky is pure Rasher. The skeleton curled in a foetal position underneath the soaring foxglove or Dead Man’s Bells as they are known in America, is something of a departure. “I like the idea that when we go to our tomb we go back into the earth and when we decompose we feed new life, flowers bloom and then bees feed off the pollen and repollinate,” he says. “I find that cycle of life very comforting.”

Just to the right of this is an alarmingly authentic pig’s head with a bunch of flowers in a glass box, a work called Embalm and Calm . Another painting on the wall is a picture of his mother who used to tell him that self-praise was no praise, all the while quietly supporting her son’s dreams. “I probably wouldn’t have had the courage to do it if it wasn’t for my mother’s death because I’d have been afraid what people would think. I don’t care any more, it’s about expressing how I feel.”

Since she died, Rasher has been preoccupied with the ephemeral, the quicksand of life, the “here today, gone tomorrow” of existence. In this exhibition, the beautiful and the rancid sit side by side, like a disgusting perfume presented in exquisite packaging. “I just see beauty and tragedy hand in hand in everything I look at,” he says. “I see flowers and I just think in the next couple of weeks they are going to die. Everything I do now seems to be a reflection of that.”

Full story in the Irish Times here.

 

 

The labourer is worthy his/her hire

While I was well out of it last week on my guano-spattered rock set in a silver sea, the militant wing of this blog’s readership did a number on Lovingly Managed. It seems to have ended in either mutual exasperation or bewilderment. Probably a bit of both. Heavy breathing, for sure.

Perhaps the greatest dialectical damage was wrought by Rupert with a deadly weapon requisitioned from the Marxists. He epitomised the views of the anti-LovinglyManaged camp when he accused LM of commodification. Commodification, let me remind you, is taking something commonly offered for nothing and charging for it – helping blind people cross the road, for example. Gloriamundi echoed this: I think there’s a need for objective, up-to-date low-cost or free advice and information on how to proceed when someone dies, before FDs, Lovingly Managed, or people like me, get anywhere near the bereaved. A service not a business.

To all appearances this was a battle between altruism and avarice. But I’m not so sure that it was. I think that the three businesslike, intelligent and vocation-driven women behind Lovingly Managed could be earning a heck of a lot more doing something that brings them much less satisfaction.

One thing I am pretty certain of, though, is that altruism isn’t necessarily the force for good that it may, dare I say, self-righteously reckon itself to be.

There is a widespread, kindly belief in the funeral industry that bereaved are too easily exploited and must be considered exempt from market forces. This prompts two questions:

What then is a fair rate for the job?

What is the effect of low pay on levels of service?

The upside of things as they are is that the industry attracts a great many damn fine people who value service to fellow men and women way above the slavering pursuit of fast-moving consumer goods.

The downside is that it also attracts well-meaning do-gooders of questionable value but unjustifiably high self-worth.

And while some bereaved people need to be treated incredibly carefully and kindly, others do not, because they can look after themselves. While we’re about it, let’s not underestimate the responsibility that the bereaved have for themselves, because that’s a responsibility no one else can shoulder.

Kindness isn’t always as kind as it looks. The bereaved must not be patronised, infantilised or kept helpless by those whose apparent altruism masks dark neediness and other baleful if not barking psychological issues. Definitively not among these is any member of the militant wing of the GFG commentariat.

Vocation will always be a more valuable qualification in this industry than greed. For all that, nice guys famously don’t win ball games and they’re not winning this one. It is the greedy undertakers who are winning the battle for market share with their aggressive selling of financial products, funeral plans and their latest magic trick, the standardised quirky, individualised funeral. It’s called commoditisation and its outcome ought to be falling prices – but things are rarely economically orthodox in the death business.

As things stand, I am not aware of florists, printers or caterers pulling their punches financially with the bereaved. Undertakers do just about all right in a market depressed both by many punters’ low expectations of a funeral and also by an oversupply of undertakers. I am aware of many undertakers who could charge more, but don’t. I’m not going into grief counselling because I know almost nothing about it.

It’s secular celebrants I worry about. Financial rewards in this sector are terribly low for those who put in the time and care a good funeral needs. And of all jobs in the funeral industry, this one calls for especially high levels of a range of qualities which include emotional intelligence, literacy and performance skills – a rare combination.

Those who possess these qualifications can work for good money in the real world. Some, like Gloriamundi, are happy to work as a celebrant for the prevailing low rate for reasons which he/she gives over at her/his blog. Some are able to fund their habit with another income stream – a pension, often. This is a job you need to be able to afford to do if you’re going to do it properly.

Which is why many potential celebrants calculate the hourly rate, find they’d be better off at B & Q, then go do something else. Lost to the cause.

Up in Leeds OneLife Ceremonies, a mother and daughter team, have just launched their new website. I like these two a lot, they have energy, intelligence and spirit – they’re a cut above. They are looking to make a living out of celebrancy of all sorts, and why not? We need them. Having costed things carefully and not avariciously they have arrived at a fee for a funeral of a perfectly fair £275. Are they going to get any work at that rate? You tell me.

So here’s my proposition. Those celebrants who are presently undervaluing themselves financially are devaluing celebrancy by deterring good people from entering. By doing so they are leaving the door open for those of lower calibre who race about doing too far many funerals for their own good or anybody else’s. This is the inexorable Law of the Lowest Common Denominator.

Like any industry, the death industry only works well if people get paid properly.

The aloneness of the bereaved

I was struck by this post by a blogger in Canada concerning the aloneness of the bereaved. In this case, it’s Helmut Schmidt, former Chancellor of Germany, at the funeral of his wife of 64 years, Loki. She died on 21 October aged 91. The funeral was on 1 November.

No going back

That modern death has failed to find its place on the continuum of ordinary life events is something we all recognise and more or less vehemently deplore. For most a funeral is a hermetically sealed, isolated (or devastated) worst-day-of-my-life episode rarely to be recalled, and only then with a shudder. We quarantine the bereaved and shoo them into the care of weird race of cool-blooded expatriates from another planet. Truly, a funeral is a para-normal and intensely private event with more than a touch of the hugger-mugger about it.

Feelings like this are echoed by a recently widowed blogger in Wales: “I found myself standing on stage introducing the Master of Ceremonies for the event – who was none other than the funeral director who buried R.

This situation was made all the more weird by the fact that he was wearing jeans and T-shirt, rather than his sombre funeral garb, sang in a rather excellent tenor voice and told a lot of slightly risqué jokes over the course of the evening. I am not sure what I expected a funeral director to do in his spare time, but it certainly wasn’t this.

But it didn’t end there. The other team performing this evening was led by the couple who own R’s burial field. They are lovely people, and made sure I was OK, but it was all very peculiar, standing there having a post-performance glass of wine with them.”

This being how it is, it was no surprise that there was so much media excitement yesterday about a brand new funeral photography enterprise, Funeography. The sub-text was Why on EARTH would anybody want a funeral commemorated with weepy snaps?

It’s a reasonable position, things being as they are, to take. I’ve just spoken to David at In Our Hearts Images in Lincolnshire. He and his partner Esther have been going for six months now and they’ve not exactly had the world beating a path to their door. For Esther this has been an insight into the Brit way of death. In Holland, where she comes from, they do it all the time. Until yesterday they were one of only three businesses in the UK offering the service.

If you’ve created something wonderful, that you’re proud of, you want to revisit it and share it. The only way to do that is to document it.

Laurel Catts in Sydney, Australia, is extremely proud of the send-off she gave for her son David. The funeral was filmed and posted on Vimeo. I posted it on this blog. Laurel emailed me this morning:  “David was the most incredible person and we wanted the funeral to reflect his wonderful personality and generosity of spirit.  Hence, I am so pleased that you thought the funeral service was a great and very moving send-off.” It was wonderful, wasn’t it? We wouldn’t have missed it for anything. Thank you, Laurel, for sharing it. You show us the way.

WARNING! This blog is about to transmigrate and inhabit a new server. The process of reincarnation may take a couple of days of suspended animation, but reborn we shall be. I can’t guarantee that the new flesh we put on will be incorruptible; indeed, it will probably look dispiritingly like the old. See you after the resurrection!

It’s what she would have wanted

Here’s a new poem by Wendy Cope published in the current Spectator. I hope she’ll forgive the flagrant breach of copyright and see this instead as a promo. Its sentiments are very contemporary.

My Funeral

I hope I can trust you, friends, not to use our relationship

As an excuse for an unsolicited ego-trip.

I have seen enough of them at funerals and they make me cross.

At this one, though deceased, I aim to be the boss.

If you are asked to talk about me for five minutes, please do not go on for eight

There is a strict timetable at the crematorium and nobody wants to be late

If invited to read a poem, just read the bloody poem. If requested

To sing a song, just sing it, as suggested,

And don’t say anything. Though I will not be there,

Glancing pointedly at my watch and fixing the speaker with a malevolent stare,

Remember that this was how I always reacted

When I felt that anybody’s speech, sermon or poetry reading was becoming too protracted.

Yes, I was intolerant, and not always polite

And if there aren’t many people at my funeral, it will serve me right.

Lifed off

As you read this Big Rinty is dying in Shepton Mallet prison. Big Rinty? You wouldn’t know of him unless you’d read Erwin James’ columns in the Guardian or his books. Big Rinty is one of the long-term prisoners with whom James became friends during the twenty years of his life sentence. Here’s James:

Rinty was sentenced to life in 1976. He served 18 years and was released in 1994. After three years, during which he worked and lived an honest, industrious life, he was arrested and charged with assault.

The jury at his ensuing trial returned from their deliberations after eight minutes. “Not guilty,” said the foreman. Any other defendant would have walked free. But Rinty, on “life-licence”, was recalled to prison, requiring “psychological assessment”, said the official blurb on the paperwork. He played the game for a while, completed a couple of “offending behaviour” courses. But eventually grew tired of the dishonesty of it all.

“That psychologist is nuts,” he proclaimed after several consultations. Finally, he withdrew from co-operating with her schemes and programmes. [Source]

And now he’s dying.

I went to see him at the time in the hospital where they had put him in his own little room. He was a pathetic sight. He was laid on his back with tubes in his mouth and up his nose attached to bags of liquid hanging from a frame above his bed. Most pathetic of all was the chain attaching his wrist to the wrist of the prison officer who was sat next to him engrossed in a dog-eared copy of Hello! magazine. Another prison officer sat on the other side of the bed twiddling his thumbs and thinking about the overtime money this extra guard duty was earning him. The Gambler was already there when I arrived. We shook hands and then I leaned over and held my poorly friend’s hand tight. He smiled a painful smile and said, “For fuck’s sake don’t make me laugh…” I think he thought I was smiling, but I turned away and looked at the Gambler – we had both welled up. ”Hey,” Rinty said, “it’s me that should be crying.”  … A few weeks ago he was taken out to the outside hospital again for “tests.” He calls me once a week [from prison]. The past couple of calls started with the same question. “Any news on the test results?” The medics seemed to be taking their time. Yesterday I had a message on my answer machine. “Rinty here, just checking in. I need to speak to you.” The tone of his voice was ominous. I phoned the prison and asked the chaplain to go and tell Rinty I was waiting for his call. Half an hour later the phone rang. “It’s not good mate,” he said. “I’ve got pancreatic cancer – inoperable.” [Source]

I asked him about chemotherapy. “What, so I can live longer in here?” he said. He said he has decided he is not going to have chemo – but then when he asked about compassionate release he was told he couldn’t have that if he refused chemo as he might get out, undertake chemo and end up living more than the prescribed three months maximum allowed. [Source]

Find other GFG posts about death and dying in prisons here, here and here.

Gail’s marathon

I wonder if you’re following Gail Rubin’s thirty funerals in thirty days? I’m hooked. She’s on no. 3.

For me, this is a social document and a celebration of the lives of ordinary people. For you?

Find her blog here.

Zombie journalism

Here’s some nasty journalistic furystirring from the Daily Mail under the headline Councils to stockpile bodies to cut the costs of cremation

Bodies will be stockpiled for cremation under new rules to cut costs and carbon emissions.

Rather than being cremated straight after a funeral, corpses will be stored for days in coffins or body bags in local authority buildings so they can be incinerated in one go.

Council bosses claim the decision to use cremators during one period rather than after every service will cut down on energy bills and reduce their carbon footprint.

This is a reference to the practice of holding over, discussed in this blog in September. The Mail wails on:

The policy will leave families having to return up to a week later to the crematorium to collect the ashes, causing unnecessary additional stress … It is not the first time that councils have been accused of trying to profit from funeral services.

You get the picture? Stockpiles of corpses, like at Buchenwald. In back rooms at the town hall. Held there for a week.

A Conservative MP called Philip Davies has obliged with a ludicrous quote: ‘Councils have lost sight of what they were set up to do in the first place – serve the people and not obsess about climate change.’

A serious subject turned into horror fodder. Read the whole story here. Read as many of the comments you can bear.

Eulogy rides again!

Reports of the death of Eulogy magazine are exaggerated. A little while ago I was rung by its genial editor, Alfred Tong, and informed that the second issue would be available online only. It’s out now, and includes among all sorts of things a sprightly piece by Julian Litten on his preference for burial.

Find it here.