[A*O]

When my kids were younger MrAO had a fairly hefty life insurance policy to pay off the mortgage and any other debts and also perhaps employing someone to help me out as a single mother. Now the mortage is paid off and the kids are older and not so dependent or demanding it's not quite so necessary any more so we've reduced the payout. No amount of money is going to compensate for the loss of a parent, but at least you know the kids would have a secure financial future, ie no debts and perhaps enough to get them through colleage. As for funerals, like I say, the dead person doesn't give a shit whether he/she ends up in a paupers grave in a cardboard box or has a funeral and tomb to rival Elvis so spend the money on something else, especially a HUGE party/celebration of my life, not my death please.