Oh that sounds very smart GSM.
We visited the funeral home and were told that the insurance is to protect the funeral plan, should the funeral home go out of business. To be fair, the funeral director told us it didn’t seem worth it because my mother is very old. He said we can simply arrange a funeral (no particular details) and leave details of where mum is and they’ll collect the body within two hours of death and embalm and then store till we get home. This would apply if mum died on any of our holidays, but the NZ one will be longer, and we’re thinking of going back to NZ again at Christmas for another month. Obviously I would prefer if we were here whenever mum dies, but unless we put our life on hold, we can’t guarantee that. The other fly in the ointment is my mentally ill sister, who could simply override any wishes we have or instructions we left. That’s why I thought if it was bought and paid for, it should protect against that. It’s impossible to discuss this rationally with my sister due to her condition. She would probably regard doing the funeral without me as suitable punishment for not being there. We do absolutely everything for mum, the list is endless since she came to live near us some four years ago. Even now she’s in a care home we still do a lot, arrange finances for her, get things she wants, organise birthday cards for her for the family, but most importantly visit all the time. Mu sister does nothing for her and I just feel I have the right to say goodbye when the time comes without my sister preventing me from doing that just because I happen to be visiting my daughter and grandchildren.