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Dying is not something most of us want to think about. Problem is, it is unavoidable and not dealing with your affairs in advance can cause trouble for loved ones. While life insurance isn’t something that most would want to talk about, it’s rather important so those left behind won’t get into debt. Dealing with grief is hard enough, but according to this brilliant infographic which outlines the associated costs of funerals; 44% of people had to take out a credit card to pay for a loved ones funeral. Even worse, 27% had to resort to a payday loan. Having a child was the catalyst for myself getting my affairs in order, but this infographic shows that most of us are still woefully underprepared for the inevitable.

Assumptions don’t help either. Apparently 41% of people think that existing funds will cover their funeral costs, but the truth is that only 22% of people have the proper life insurance in place. Even more shocking is that only 32% of people have a will should something happen to them.

Over 50 life cover is important and helps to alleviate the financial strain that often comes with arranging a funeral, as letting those left behind know how you would like to be buried (or cremated), who you would like to leave your worldly goods to and any other last wishes. This funeral planning infographic from British Seniors Insurance Agency has lots of interesting statistics: average funeral costs are cheaper in Edinburgh and most expensive in Sheffield. Londoners are more likely to take out a credit card or payday loan, and Liverpool had the highest number of respondents wanting a religious ceremony. Different regions had different worries: Londoners were more likely to take out a credit card (40%) or a payday loan (39%) to pay for a funeral, while in Brighton 17% of people worried about future inheritance disputes among family members.

The thing about the costs are that they can catch you unaware. 31% of people said they did not know what costs to expect before they started planning a funeral. If you are lucky enough to have never planned a funeral then you will be blissfully unaware how expensive they are. The average funeral in Edinburgh is £3,947, but the average cost reaches a dizzy £5,469 in Sheffield. Londoners meanwhile pay an average of £4,543. A staggering amount of money, even for the cheapest funeral, and one that relatives might struggle to pay for.

The infographic shows that being prepared is important, but some of the findings are interesting and amusing. When it comes to the send off, 55% wanted to be buried, 22% wished to be cremated and 20% remained uncertain. However, a staggering 70% of respondents over 55 wanted to be buried. A lot of people thought creatively when it came to their final resting place. Some wanted to be buried at their favourite sports ground, some wanted to be buried in a haunte

d house, others wanted to be buried near or in the sea, while some people wanted to be buried with their spouse or their dog. No mention of other pets though.

Check out the infographic by British Seniors Insurance Agency life insurance quote provider out for yourself. Hopefully it will spur you to get your affairs in order.