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The average debt taken on by customers who struggled to pay for a funeral was £1,680 in 2017. It has risen by £79 from £1,601 in 2016 and over £375 since our first report in 2014. With more than one in
seven (16%) saying they struggled with funeral costs, and 597,000 reported deaths in the UK, this sets a new funeral poverty record of more than £160m (up from around £150 million last year).
— Royal London - National Funeral Cost Index 2017

40RTY provides a range of products and services designed to help you plan for your own or a loved one's end of life. You may not wish to think or talk about this and in the past, neither did I. 

I'm Jules, 40RTY's founder. I've had a lot of experience planning for tomorrow; my mother was diagnosed with colon cancer in 2006 and my father passed away from prostate cancer in 2013. It was during this period and especially after organising my dad's funeral that it became obvious how few of the people I know had either made a will, put in place power of attorney or were prepared for the financial cost and administrative burden of a funeral. 

It is never too early to start making plans for our later life. For most of us, retirement is accompanied by a reduction in our income. Moreover, as we grow older, we are also more likely to suffer from ill health, which can have a dramatic effect on our financial situation. In order to shield our loved ones (and the assets that we have accumulated over many years of hard work) from the effects of this, we need to take proactive steps to create a protective framework.

40RTY can help you put together comprehensive plans for end of life. We'll talk you through the different types of wills available and the importance of considering lasting powers of attorney, and introduce and explain the concept of trusts and estate planning in general. Also importantly, we can help you put into place funeral plans, a great option of negating the spiralling costs of funerals.


Healthy Ageing

But it's not all about bad or sad news! Although death for all is inevitable, most of us have some level of control as to the quality of life up until our final end, if only we would give it some thought.  As time goes by, you'll find a wealth of information on the blog to help  you to live a longer, and importantly, healthier life.