事前规划

Pre-Planning

留爱不留债

Leave a legacy of love

事前规划

Pre-planning

人生充满太多变数,许多意外无法预知。在我们的生活中,我们常常在规划事情,包括会买保险以求心安。许多情侣为了要有一个完美的婚礼,会花几个月甚至几年去筹备;父母为了保障孩子的未来,也早早为孩子设立教育基金。我们经常会为自己写下人生愿望清单,并努力去实现它。但反而人生最重要的一件事,你是不是忘了?

We prepare for almost everything in life. To cover for the possibility of accidents and sickness, we have insurance. To get married, couples spend months to years to ensure everything goes right. To safeguard our children’s future education, we start an education fund. To live life to the fullest, we have bucket lists. But hold up, are we forgetting something here?

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但讽刺的是,当我们忙于准备人生愿望清单时,似乎忽略为何想要整理这些清单的原因。生命是有限的,每个人都从出生的那一刻开始,就要有面对死亡来临的心里准备。

 

不管您在家里是什么身份地位 – 是丈夫还是妻子;父亲还是母亲;甚至是儿子还是女儿,无论在情感上或经济上,您的离去都深深影响着你所爱的家人。那么,为什么我们要忽视它呢?我们需要做些什么呢?

答案很简单,您应该做事前规划。

The irony is while we’re busy preparing bucket lists, we seem to forget or ignore the reason why we have them in the first place; that life is finite. Everyone who is born will eventually pass; it’s not a possibility, but an eventuality.

If the thought troubles you, it should. Irrespective of your position in the family – whether you are a husband or wife; father or mother; or even son or daughter – your passing will be the one single event that impacts your family and loved ones the most, both emotionally and financially. So why are we ignoring it? What do we need to do?

The answer is simple: you should pre-plan.

什么是事前规划?

What is Pre-planning ?

 

事前规划(亦称事前安排、事前安排计划或预售计划)是预先把自己的身后事,通过自己的主权,在生前安排得一清二楚。它可以是殡仪保险,也可以是预付殡仪合约,这个概念看起来很新颖,但实际上,事前规划并不是什么新鲜事。

To put it simply, pre-planning (sometimes also called “pre-arrangement”, “pre-arrangement planning” or “pre-need planning”) means setting up your funeral arrangements in advance before the need for these services occurs, either as a funeral insurance or pre-need funeral contract. The concept may seem novel and even morbid. However, pre-planning is not actually something new.

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在西方国家的殡葬公司除了有即时殡葬服务外,亦提供事前规划的服务。客户会要求殡葬公司预先准备殡仪合约,约定去世后如何处理殡葬事宜,在有需要的时候让殡葬公司提供殡葬服务,让亲人后顾无忧,亲人也可在舒适宁静的环境中与逝者哀悼和道别。

在西方社会,人们为自己的死亡做好准备的想法已存在了一个世纪,尤其是死亡率高的维多利亚时代。19世纪的英国,由教堂、工会和其他协会组成的“土葬俱乐部”,俱乐部的成员大部分来自低下层阶级的家庭,他们将每周支付的费用,储存起来用作最终殡葬费用,其营运模式如同现代生前契约。

It is not unusual for funeral homes in western countries to carry pre-planning services aside from immediate need (or as-need) services. Customers would engage funeral homes in preparing pre-planning contracts to ensure when the time comes, these arrangements would be set in motion with little or minimal concern from the bereft family. Loved ones can mourn and say their goodbyes in relative comfort and peace.

In western societies, the idea to prepare for one’s eventual demise has been around for over a century, especially during Victorian times when mortality rates were higher and life expectancies were shorter. In 19th century Britain for instance, there existed concepts such as “Burial Clubs” which were operated by churches, trade unions and other associations. Members of burial clubs – mostly consisting families from lower classes – would pay weekly fees to help cover for eventual funeral expenses in the same way modern funeral insurances function.

事前规划五大优势

5 main advantages of pre-planning

 

为自己做好事前规划

For Yourself

 

承担葬礼费用的财务责任 You assume financial responsibility of your own funeral

当不幸事情发生时,葬礼仪式的经济负担就会落在你家人身上。一般葬礼收费均在2万令吉以上(不包括福地或骨灰位),假如你没有事前规划,你的家人会因这突如其来的大笔开销而手足无措。如果你做好事前规划,你就能为自己的临终事项买单,有备无患。

When the unthinkable happens, the financial responsibility of your last rites now falls on your family. The average funeral is priced upward of RM20,000 excluding burial plot or columbarium costs. Without any pre-planning or funds set aside, imagine the financial stress such an event places on your family. By pre-planning, you can prevent this by assuming the responsibility yourself.

充足时间和空间做出思考 You will have time and space to consider all factors and concerns

事前规划可以让你在做出决定前,有充足的时间评估不同殡葬业者的服务与价格。而不是等到意外发生时,你的家人在承受着压力和悲伤情绪下做出不必要的选择。另外,事前规划也可让你和家人有商有量,做出满意的决定。

By pre-planning early, you will be able to look around and compare services and prices before committing to any decision; instead of waiting until a crisis occurs when your family will be pressured into making unnecessary choices during a stressful and emotional time. You will also be able to involve your family members in all your decisions.

拥有自主权决定自己想要的方式 You can be self-reliant and choose the way you wish to be celebrated and remembered

透过事前规划,表达自己的主权,让家人充分了解与尊重你的决定,按照你希望的方式庆祝生命完美落幕,避免家人为了筹办后事等各种因素无法达成共识,造成意见分歧,争吵不休。

Through pre-planning, you will get to decide and have final say on every detail of your final send-off without burdening your family with questions and doubts as to what your final wishes are. This way, both you and your family are assured that everything will be taken care of, exactly as you have decided without leaving any reason for dispute.

选择分期付款 You get the option of paying over time through an instalment plan

通过事前规划选择按月按期轻松付款,减低在死亡发生时必须一次性付款的经济压力,让你更轻松做好事前规划。

Through pre-planning, you can enjoy the option of paying over time through an instalment plan compared to having to pay a huge lump sum in an immediate situation when death occurs. This helps lighten your financial burdens and you will be able to plan your commitments easier.

安心财务规划 You will be able to enjoy greater peace of mind and complete financial planning

人生在世,生命终结是最昂贵,也是最常被忽略的事情,最明智的做法便是提早做好财务规划,透过事前规划可以让你安心处理财务状况,并且轻松从容面对生活,同时这也是为家人所准备的爱的礼物,让你和家人圆满无忧。

One of the costliest and most often ignored events of a person’s time on earth are end of life affairs. It is only sensible to prioritise pre-planning to complete your financial planning in life. By pre-planning, you will enjoy greater peace of mind knowing all your affairs are in place and the knowledge that your family will one day receive the greatest gift of love in your absence.

为家人做好事前规划

For Family

家人不烦心 Your family will know who to contact in the event of an emergency

当亲人逝世后,家人在最初的24小时会不知所措,包括办理丧事毫无头绪,或者不知道向谁寻求协助,导致拖延丧礼和复杂化。如果事前做好规划,当紧急状况发生时,家人就可以获得即时援助。

Upon a person’s passing, there are over a hundred decisions to be made in the first 24 hours.  All of these decisions would be further complicated and delayed if your family does not know what to do or who they should turn to for advice on such matters.  If there is a pre-plan in place, your family will know who to contact for assistance.

家人不仓促做决定 Your family will not be pressured into making hasty decisions

当死亡发生时,大多数家庭往往面临手足无措的情况。在最脆弱的时刻,他们可能会因为担忧而草率决定和付出昂贵的代价。如果已经做了事前规划,你的家人不会在悲伤时刻做出困难的决定和过度的花费。

When death occurs, most families tend to be unfamiliar with what needs to be done. During such vulnerable times, they may find themselves pressured into making unnecessary costly decision based on emotions. If pre-planning has been already done, this will circumvent such occurrences as every important decision pertaining to one’s final wishes has already been decided and paid for.

家人心无牵挂 Your family can focus on remembering and healing

如果已经做了事前规划,可让难过不已的家人心无牵挂,不用为筹办丧礼的事项担心和烦恼,早点从悲伤中恢复平静。

With pre-planning, your loved ones can be thoughtfully allowed to grieve and mourn without having to concern themselves with finances and logistical details of arranging a funeral. This way, they can be allowed to focus on remembering and healing.

纾缓家人财务压力 Your family can avoid being suddenly forced to spend a huge amount to finance a funeral

事前规划是为了留一笔钱给自己办身后事,不必让家人为一笔不可预算的殡葬费用感到傍徨无助,进而造成二度伤害。

With pre-planning, your family won’t be forced into a corner with very little room and time to manoeuvre during a very stressful and emotional time. This way, they won’t be compelled to produce a large amount of money to finance a funeral.
保护家人避免通货膨胀 Your family is protected from rising funeral costs due to inflation

死亡成本跟生活成本一样,每年都会上调。一份预先安排好的预付葬礼合约,可以锁定今天的价格,帮助你应付通货膨胀以及节省更多的金钱。

The cost of dying, like the cost of living, rises every year. By pre-planning today through a pre-need funeral contract, you are essentially locking in today’s prices against future inflation. Your family would be protected from being forced to pay inflated as-need prices when a death occurs in the future.

阅读

READ

事前规划保障生命尊严 How does pre-planning work?

事前规划的重要性 Why is pre-planning important?

富贵生命圆满契约 What is Nirvana Life Plan?

事前规划的六大指南

6 steps guide to pre-planning

日本有一句俗语:像鸟喝水,很轻巧地飞走。意思是指做事要像鸟喝水一样,脚会站在水里,喝完水轻巧离开,不让水变浑浊。这非常贴切形容日本人对死亡的看法,希望善终,走时不要留下“烂摊子”麻烦别人。

死亡是人一生中无法避免的过程,我们无法知道自己何时会离开,却可以事先为离开做好准备。事前规划不仅可以预先安排身后事,也不给别人添麻烦。无论是本人或亲人都应该豁达面对,做好相关准备,给自己这一生一个完美的句点。

以下为你提供事前规划的六大指南,让你用自己喜欢的方式告别。

It can be an emotional experience during pre-planning to come to terms with your own mortality. Yet, it can be a rewarding feeling to have put your affairs in place which will enable you and your family will have peace of mind to live life to the fullest.

Life every major decision in life, pre-planning is not an easy task. It is for this reason that we should pre-plan as soon as possible so that we can have the time and space to consider before committing to any decisions. Below are six easy steps guide to pre-planning which can help make your decision-making easier.

货比三家,精明消费 Research and compare bereavement care providers

殡仪服务人员是提供殡仪服务(比如葬礼策划)的重要资源,我们通常称之为生命经理师,他们的工作范畴主要是协助托付者做好事前规划,包括财务预算至葬礼选择等细节。提前沟通自己想要的殡葬产品及仪式,可以避免之后亲人的担心和烦恼,提前决定自己想要的服务及品质,这样可以评估不同丧葬业者的服务和价格,货比三家在任何时候都很重要。

Bereavement care providers are extremely important resources in providing bereavement care services such as funeral planning. Funeral directors or life managing directors as we call them in Nirvana, are the experts who will be able to advise you on every matter related to pre-planning whether from its financial and budgetary aspects to intricate details such as caskets, ceremonial services and burial choices.

Take your time to ask questions at different bereavement care providers and compare prices, services and products offered. You should also not be afraid to relate your own personal needs to ensure the provider is able to work with you in fulfilling your requests and wishes. Ascertain as well the quality of the bereavement care provider’s after-sales service or extra amenities offered. Check its overall reputation as a good service provider is of utmost importance during times of emergency and sensitive need.

评估预算和付款方式 Assess your budget and payment options

人在逝世后,我们需要申请死亡证明书。你必须到国民登记局提交死亡登记 / 安葬准证JPN.LM02(Pin.1/11)的复印本、死者身份证正本和申请者的身份证正本。东马半岛(沙巴、砂拉越)的死亡证明书申请则有所不同,所有文件需提交国家登记部(NRD),若证实死亡,则会在一周内发出死亡证明书。

When pre-planning for yourself or your loved ones, it can be easy to get carried away in wanting the best. However, you should always be practical and weigh your options carefully. Speak to your loved ones as well to ascertain their wishes and keep an open mind in discussing budgetary concerns with them as well as with the bereavement care provider you choose to engage.

The best thing about pre-planning is how it can help you and your family save plenty of money in the long run through an inflation price lock and an installment payment plan. That way, you and your loved ones will be able to spread out the payment through a long period instead of having to make a single large payment in an as-need situation.

决定自己想要的告别方式 Consider how you would like to be remembered or memorialised

我们无法决定自己出生时的样子与环境,但我们可以自己决定如何离开世界。事前规划的好处是可以让你依照个人的宗教信仰和喜好,预定自己想要的殡葬礼仪,不必拘泥于传统或一般殡葬公司所设定的丧礼仪式。你甚至可以亲自参与丧葬服务的每一个层面,包括讣闻撰写、希望用怎样的歌曲、朗读怎样的文章、告别式场地规划、礼仪用品选购等,让你能用自己想要的方式走完人生最后一里路。

In multicultural and multi-religious countries such as Malaysia and Singapore, it is important to determine the religious guidelines to be followed in the final rites are in accordance to your wishes. Having your decisions and final wishes expressed in black and white is sometimes useful to avoid family disputes later when you are no longer around, especially if members of your immediate family have adopted different faiths.

Aside from this crucial point, pre-planning gives you the opportunity to decide on how your send-off would be, in your own terms. The best way to consider this would be to think about other funerals or memorials you’ve participated in. Think about what made it meaningful; maybe there are elements you would like to adopt in yours. Perhaps there is someone you would like to present your eulogy, or there could be a particular personal touch you may want to add to the ceremony. All these little things may at times seem insignificant but could mean a lot in giving closure to your loved ones.

选择自己想要的最后归宿 Decide on how you would like to be laid to rest

决定自己想要的最后归宿是事前规划重要考量之一。东南亚国家一般有土葬和火葬两种选择,大马是个多元文化国家,种族与宗教信仰派系不同,丧葬文化和礼仪自然也不同。无论你是考虑土葬或火葬,选择哪个墓园或骨灰殿都必须慎重考虑。
华人非常重视入土为安及落月归根的观念,所以年长一辈大多都会选择土葬,且做好事前规划,包括选购以风水格局为考量的墓地,选择好的阴宅风水不仅能然逝者安息,还能福泽子孙,世代昌盛。

Deciding on how you would like to be laid to rest is one of the most important aspects of pre-planning to consider. The current two main options available in Southeast Asia are burial and cremation. Due to religious and cultural restrictions, sometimes only one of these options is available.

Either one of these two options entails further considerations; for example, if you choose burial, you may need to think about where and how you want to be buried. If you consider cremation, you may need to think about the options available for the subsequent deposition of ashes; do you want to choose to be interred in a columbarium or perhaps you may want your ashes scattered at sea?

The choice of final resting place can be a matter of convenience or even a unifying element for future generations. Most private memorial parks such as those managed by Nirvana take this factor into consideration by providing a well-maintained, landscaped and peaceful environment for the comfort of visitors as a way to encourage extended families to visit and gather in celebration of heritage and reunion.

考虑用作慈善用途 Consider supporting a charitable cause

亚洲大部分地区皆有帛金用作慈善转赠的文化,即是家属将亲戚朋友赠送的帛金,全数转赠慈善团体,又或者将惠赠花圈、花篮的心意转向慈善捐助,帮助失去至亲和面对经济困难的家庭送上关怀。如果你希望将这份善心继续流传下去,不妨在做事前规划时特别注明,让所有亲友的心意变得更具意义。

In most Asian cultures, it is considered funeral etiquette for mourners to make a donation when attending the wake. The original purpose of this charitable practice is to help the bereft family defray the cost of the funeral.

With pre-planning however, this would mean the cost of the funeral has already been covered; as such, you may want to consider channelling such donations to a charitable cause of your choosing to preserve its original intent.

It is also considered a traditional gesture and mark of respect to send funeral wreaths and bouquets to the bereft family. Nowadays some people choose to notify mourners to defer this practice and request that the money reserved for such intents to be donated to charitable causes as it is considered a more meaningful tribute to the deceased and meritorious for all involved to benefit the needy even in death.

确保当事者的意愿被知晓和尊重 Ensure your loved ones are informed of your wishes and arrangements

其实,只要了解事前规划的用意,死亡和丧葬将不再是沉重的话题。事前规划在当事者意识清楚的状态下对自己的身后事提前做出决定,这样可以确保亲人尊崇你的意愿,按照你希望的告别方式完成圆满的一生,有效减少亲人之间不必要的猜测及仓促下错误的决定。

It makes good sense to ensure that your loved ones are aware of your wishes and pre-plan arrangements. Some may have chosen to state these intents in a will; but occasionally the reading of a will may not take place till after the funeral. It will be better to include them in a separate funeral plan so that your next-of-kin will know what to do in the immediate aftermath of your passing.

It is good practice to have more than one designee who is aware of your pre-plan arrangements. This way, your loved ones can immediately notify the bereavement care provider to handle matters and your family can be left in peace to focus on mourning.

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更多资讯

Additional Resources

殡仪服务

Funeral Service Comparison

富贵山庄福地
Nirvana Memorial Park Burial Plot

骨灰殿
Know more about Columbaria

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