Skip to Content (Press Enter)
-
senior-woman-in-pool
All Funeral Insurance Articles

Planning • 4 min read

Celebration of Life: honouring a life well lived

A celebration of life can be a way to honour a loved one in a peaceful way that most reflects their legacy. Here's how to celebrate a life well lived.

Funerals don’t always have to be sombre affairs. While it’s necessary to mourn and grieve the loss of a loved one, don’t be afraid to smile at the same time.

When someone you love passes away, it’s absolutely necessary to go through the grieving process. Let yourself feel all of the emotions, cry tears of heartache, scream at the world if you wish. But what many people struggle with is finding happiness after a loss. There’s a feeling of guilt that you’re not ‘supposed’ to smile. Laughter becomes taboo because that’s not really how you’re meant to act when you’re mourning.

The trouble with this though is that while you’re mourning the loss of a loved one, you’re also remembering the beautiful moments you shared, and it’s ok to smile and laugh. In fact, it’s healthy. Happiness, after all, is an emotion. And if you’re going to let yourself feel all of the emotions, you can’t leave happiness off the table.

What is a celebration of life?

A celebration of life service is just as described—you’re celebrating the life of someone who has passed—their achievements (big and small), their relationships, their ups and their downs.

Usually, these services are more upbeat than a funeral, have a happier tone and are less religious in nature. What many people love about them is that they are less constrained than a traditional funeral service so you can really let your imagination run wild and create a service that is most fitting for your loved one.

Funeral or celebration of life: why not have both?

Of course, just because you’re having a funeral doesn’t mean you can’t have a celebration of life and vice versa. It may be fitting for some families to have both, as in many religions there are certain cultural observances that are required upon passing. Having a celebration of life service means you get the best of both worlds—the traditional funeral service and then the celebration to say farewell in your own way.

Having the conversation with your loved one prior to passing can also help with the planning process. They can explain exactly what they want and how they want to be farewelled. This ensures that they are getting the send-off they really want and also that their wishes are honoured.

Going through the planning process ensures you can plan financially to cover whatever service your loved one wants. While of course there are ways to plan financially, such as ensuring you always have savings to cover emergencies or unexpected events, another way to plan financially may be taking out relevant insurance products, such as Funeral Insurance.

It may help cover the costs of a funeral, a celebration of life, or even travel expenses to make sure everyone who needs to be in attendance is there.

Another alternative to a traditional funeral is a living memorial. Who says you can’t have a celebration of life service before your loved one passes away? A living memorial gives you all a chance to say exactly what you need to say and share what you love most about each other.

How to plan a celebration of life service

When planning a celebration of life service consider what your loved one would have wanted. What made them happiest in life? Use that to inspire everything from the music to the decorations and even whether anyone needs to say a speech and if so, who to choose and what they should say.

Other ideas include:

  • Ask people to bring along a funny memory they can share with everyone.
  • Plan the menu around your loved one’s favourite dishes or treats.
  • Create a theme for the celebration that reminds you of your loved one.
  • Choose a ‘take-home’ gift for people who come—this could be a card with your loved one’s favourite poem or quote on it or a seed to plant in their garden in your loved one’s memory, for example.

Celebrations of life are meant to be happy occasions that allow you to find your smile, even in your darkest days. Your loved one may be gone, but their memory lives on and it’s nice to celebrate a life well lived.

The death of a loved one may make us reflect on our own situation. It’s important to have discussions around your funeral or celebration of life service well before anything unexpected happens.

While it can be an awkward and uncomfortable conversation—no one wants to think about their own or a loved one’s passing—talking about death and the way to farewell each other means we can always ensure we are honouring each other’s wishes. It also means that financial plans can be put in place.

It can be hard to prepare each other emotionally, but it doesn’t need to be hard to prepare each other financially. Part of this may be taking out Funeral Insurance.

If you need some assistance, contact Insuranceline on 13 77 87 or if you’re ready to take out cover, get a quick quote online.

 

Important information

Cover under the Funeral Insurance Benefit is for Accidental Death only for the first 12 months of cover, including for any increases. Accidental Death has a special meaning in the PDS and some causes of death are excluded during this time—please refer to the PDS or call us for further details. After the first 12 months, the Funeral Insurance Benefit provides cover for all causes of death.

Backed by TAL

^Insuranceline Win 1 of 5 $1000 Visa Cards (Competition). Subject to the Terms and Conditions, the Promotor is offering customers a chance to win one of five Digital Visa Gift Cards valued at $1,000, in one of the four draws. Entry commences on the 1st of April 2024 and will run for four months until 11:59pm AEST on the 31st of July 2024 (Entry Period). During the Entry Period, to be eligible to participate in the Competition, customers must get a quote and take out a new Insuranceline Life Insurance, Income Protection Insurance, or Funeral Insurance policy to enter the Competition. A maximum of one (1) entry into the Competition will be awarded per eligible policy. The Promotion is not open to existing customers, or customers who have cancelled a Promoter branded policy in the 12 months prior to the commencement of the Entry Period and then taken out a new Insuranceline branded policy. Each of the four Prize Draws will take place at Level 16, 1 Denison Street, North Sydney NSW 2060 on the respective Prize Draw and Time, as listed in the table in Condition 13 (and if any Redraws if there are any unclaimed prizes, Condition 19) of the full Terms and Conditions, and the winners will be sent an email and will be attempted to be notified via phone within two (2) business days of the Draw and published on https://www.insuranceline.com.au/campaigns/competition-terms. Max. retail value of the total prize pool is $20,000. To be eligible at time of the draw, customers must still have an active policy and have paid 1 month of premiums in full. View eligibility criteria and full terms and conditions here. Promoter: TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Permits: NSW NTP/09255, ACT TP24/00483, & SA Licence No. T24/388.

**Bonus 10% more cover is calculated on the fifth anniversary from the Policy Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and conditions apply. Refer to the PDS for more information.

#Claims paid figures relate to all Insuranceline life insurance policies in the 2021 financial reporting year (1 April2021 to 31 March 2022). All claims on Insuranceline policies are assessed against the relevant policy terms and conditions. These terms and conditions, as well an explanation of the claims process, can be found in the applicable Product Disclosure Statement. Claims are administered and settled by the insurer, TAL Life Limited.

***Insuranceline is the longest standing provider of Funeral Insurance in Australia, based on: Strategic Insight, Actuaries & Researchers. Funeral Insurance means a policy with periodic premium payments that provides a lump sum to help pay for funeral and associated expenses when you die and excludes pre-paid Funeral Plans and Funeral Bonds.

The information provided on this website is general advice only which means it does not take into account your individual needs, objectives or financial situation. For this reason, you should consider whether it is appropriate for you, and before you decide to buy or to continue to hold an insurance product, you must read the relevant Combined Product Disclosure Statement (PDS) and the Financial Services Guide (FSG). The PDS/FSG contains important information which will help you understand the product, including what's covered and what's not covered and to decide whether it is appropriate for you. The Target Market Determination (TMD) for the relevant product, where applicable, is also available.

If you are considering cancelling a policy you already hold in order to replace it with a new policy, make sure you read the terms and conditions of both policies before you make a decision. The cover terms may be different, you may lose benefits accrued under your existing policy, and waiting periods may apply to the new policy. Changes in your personal circumstances (such as your age, health, and employment) that have occurred since your existing policy was originally taken out may also affect your new policy. As your application for a new policy may not be accepted, and some policies may be unable to be reinstated after they have been cancelled, you should consider waiting until your new policy is confirmed before you cancel any existing cover.

Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover.

The ways in which Insuranceline collects, uses, discloses and secures your personal information are set out in the Insuranceline Privacy Policy, which is available free of charge on request.