A lot of people ask us about our name. Why "Ancient" Burials and not "Traditional" Burials, for example? Our reason is that "traditional" can mean many things, a bit like the word "vintage."
Consider the words "vintage automobile," for example. "Vintage" might refer only the earliest "horseless carriages" built in the late 1800s or early 1900s. But "vintage" is also commonly applied to cars built in the 1950s or 60s, or even later decades. The same applies to funerals.
When you think "traditional funeral," your mind might focus on the 1800s. Or, you might think of the 1970s. Obviously, there are some big differences in funeral practices between these time periods. By the 1970s the funeral "industry" had been increasingly shielding people from the reality of death-- a practice which became increasingly common in the optimistic, future-focused era following the Second World War. It has continued to do this to the present day, through such practices as closed-casket funerals. When the body is displayed, it is often unnecessarily embalmed and heavily made-up with cosmetics. These are not the ancient ways of many centuries past. Even through most of the 1800s, this was not done.
A "funeral home" in the 1800s was likely to be the actual home of the deceased loved one or that of a relative. This is an ancient practice still carried out in many cultures today. The family was also likely fully to involved in the preparation of their loved one for burial-- even to the exclusion of an undertaker. Even here in British Columbia into the late 1800s, families sometimes took care of all arrangements themselves, simply because there was no undertaker within a reasonable traveling distance. The traditions of the 1800s are certainly closer to what we mean when we use the word "ancient."
But even the 1800s were becoming increasingly industrial. This is why it is our mission to return to the ancient ways, from simpler times with simpler but meaningful rituals. These centuries-old rituals were earth-friendly, involving simple wooden caskets or shrouds, or perhaps the simple placing of the body in the earth from which it came.
Today's funerals, memorials and celebrations of life are beginning to reflect and re-incorporate the ancient ways. This is in contrast to modern funeral corporations and their funeral "homes." The mission of the Ancient Burials family is to be on the leading edge of the return to the simple, ancient, realistic, and meaningful ways of dealing with death-- remembering that each person who has died is indeed loved.
Procrastination. For some of us, it's a way of life. But here's good news. You can turn a new page and stop procrastinating today. Not "tomorrow" as the old joke goes.
Where to begin? Here's a radical plan. Begin with "the end." Because when you plan the "end" first, you can get on with living and loving life-- and growing your bucket list. What are we talking about? End-of-life planning.
It literally takes just seconds to take that first, small step. Why now? Because when it comes to end-of-life planning, we tend to put it off year after year. And year after year, the thought nags us just a little bit more. So, get serious, be smart and start advance planning your funeral now-- even if you expect that it to be decades, not just years, away.
Death is the great equalizer. It misses no one. Time is also an equalizer. We each have exactly the same amount of time, that is, 365 days a year and 24 hours a day, we usually wait until "later." The problem is that when it comes to end-of-life planning, "later" usually means too late.
Take a bold new step, because somebody's going to have to do it. Either grieving loved ones down the road-- or, you. Today. It's the right move. Call us at 604-308-2822 or start here, now.
The life insurance industry has a reputation for delaying payouts by wrapping proceeds in red tape, sometimes for months. In the case of a questionable death, it can take as long as two years. When insurance companies (finally) do pay, they simply pay the beneficiary you have assigned. The beneficiary is free to disburse expenses as they see fit. Will it be according to your wishes?
A pre-need funeral plan combined with pre-need funeral insurance can ensure that your wishes are honoured. The essential services needed are covered-- no matter how high their actual costs are at the time of death, whether 10 years from now or 100 years from now. (You shouldn't have to worry about living a long life!) Funeral Insurance is actually something of an invitation to live a long life! How's that for irony?
Preplanning and pre-funding a funeral with manageable monthly payments provides you with peace of mind now-- and for your loved ones in the future. You'll likely find preplanning surprisingly simple. Take the first step and call funeral director Zane Green at 604-308-2822 or use our contact form at AncientBurials.com. We even make house calls. Or, we can meet you wherever is most convenient for you. Personalized service is just one of the things that sets Ancient Burials apart.
The term "life insurance" is arguably a misnomer. "Insure" is synonymous with "guarantee." Life insurance does not guarantee life. In buying life insurance, you are essentially betting that you are going to die while the policy is still in effect. It's not necessarily like betting on a long-shot horse at the racetrack, but you are still essentially betting against your own life. If the odds weren't in insurance company's favour, they'd be marketing gluten-free bagels instead.
We're not suggesting that you don't buy life insurance. If you're 35 years old and the primary breadwinner of your family, the benefits for the well being of your family in the case of your early death can certainly outweigh the inconvenience of monthly premium payments. Whether or not to buy or not to buy life insurance is your decision. It should be done carefully, with consideration given to your current age and health.
Only one thing is really certain when it comes to life insurance. There's a 100 percent certainty that the person buying it (you, for example!) will die. Life insurance is very much about death, but calling it "death insurance" is a little too realistic for some. The actual future benefits at the time of the insured person's death become more uncertain as the purchaser grows older and experiences health issues. Benefits are dependent the age of the policyholder at the time of death.
We're not life insurance experts. But we know its limitations firsthand. Families we work with are often shocked to find that their life insurance settlement arrives sometimes weeks, months and, sometimes even years after the death of their loved one-- long after the funeral is over and a scramble for emergency cash has been made. This adds more stress for grieving loved ones. If you do decide to buy life insurance, it important to know this limitation.
t's also important to be aware that often people buy more insurance than they need. Buyers are often unaware not only of delays in payouts but also the many limitations of their policy, which sometimes increase, along with premiums, over time.
To help you with the "big picture" of life insurance, here are the two major types of policies that insurance companies offer, along with the possible benefits and drawbacks of each.
Term insurance is one popular type of life insurance, and thus named because the purchaser buys the insurance for a specific time period, or "term," such as 5, 10, 15, or 30 years. This type of insurance can offer genuine benefits in case of an untimely death-- so we're not knocking it. If you're under age 50, term insurance is the easiest and most affordable life insurance to buy. But the reality is that term insurance mostly benefits the insurance industry because benefits paid to the beneficiaries of policy holders under the age 50 is low.
Whole Life is the other major form of insurance. It covers you until your death, at no matter what age. It provides death benefits as well as a cash value that builds during the life of the policy. If you find yourself in cash crisis, a portion of the cash value can be withdrawn or borrowed during the life of the policy. Typically, however, you need a medical exam to qualify for whole life. You can buy a policy without one, but it will cost you more. Initially, a whole life policy has higher monthly premiums than term life insurance. But whole life can potentially save you money over the life of the policy if it's in force for a considerable number of years.
A major drawback is that it typically takes 12 to 15 years to build up a decent cash value. So, if you're over 50 and hoping to flee increasing term life rates and the limitations of a term policy it's not a quick solution. Despite its limitations, whole life can be a good choice for estate planning.
Life insurance can provide some reasonably affordable peace of mind, especially for younger to middle-aged folks-- and of course real survivor benefits, at least in the case of an untimely and/or accidental death.
However, for the plus 50 crowd, there are some serious considerations. Among them: soaring rates, policy limitations or cancellation due to health conditions. These issues hardly ensure peace of mind.
Do your insurance-buying homework
It's always a good idea to do your homework on the types of life insurance available, as well as some of the "tricks" of the trade that favour the insurance company and individual sales agent over you the potential policyholder and beneficiary. Be knowledgeable. And don't be pressured.
One of the most common tactics is the selling of insurance as an investment. Experts generally agree that it's not a good deal for consumers. "If you are going to insure your family, insure your family. If you are going to invest your money, invest your money." Don't mix the two. "Buy term and invest the difference." (Nerdwallet)
When a loved one dies, the single most important factor in healing from loss is having the support of others. It makes the burden of grief much easier to carry.
Once you have someone with you, make those first calls to family and close friends. Additionally, ask those family members and close friends to spread the word, so you can focus on the more critical task of contacting a licensed funeral director who will help lead you through the important choices and steps of funeral arrangements.
The weight of the burden can be lifted considerably if the funeral has been pre-planned. Funeral planning at the "re-need" stage is much less stressful than at the time of need. You will not be left wondering which funeral director to call. More importantly, the funeral director will have a copy of the information needed to make arrangements. Ideally, the casket choice, funeral and burial location will be predetermined and the funeral director will review this information with you.
A funeral director's knowledge and experience at the time of death is crucial. This knowledge involves:
– transporting the body
– arranging the funeral, memorial, and/or burial service
– contacting the cemetery
– selecting a casket and grave marker
– preparing the obituary
– offering grief support or directing you to other resources
– obtaining a death certificate
At the time of death, these things can be overwhelming for a family to deal with all at once. Again, the more of the above list that you can plan and discuss with your funeral director, the lighter the family burden will be at the time of death. And don't be afraid to talk about pricing and prepayment options that ease the financial burden of funeral costs. Call Ancient Burials at 604-308-2822 or use our contact page and we'll get back to you within 24 hours.