It’s Not So Nice to Be Beside the Seaside: People of Blackpool Die Youngest 0

  • Blackpool has the lowest life expectancy in the country, new analysis shows
  • Residents are not likely to see their 77th birthday
  • Their average life expectancy is almost five years less than the national average — and more than 8 years less than highest placed Kensington & Chelsea

The people of Blackpool have the lowest life expectancy in the country — almost five years below the national average — new analysis from funeral comparison website Beyond has found.

Residents of the seaside resort now live to an average 76 years and 11 months — eight years less than those in longevity capital Kensington & Chelsea.

The research is the first to identify true overall average life expectancy for each place by using gender population data to weight the life expectancies of men and women fairly and accurately. Life expectancy in the UK is now 81.6 years.

Mancunians do not live much longer than residents of Blackpool, at 77.4 years – more than 5% lower than the national average – with Middlesbrough, Hull and Liverpool completing the bottom five places for life expectancy.

Table: Bottom ten places for life expectancy

Place Overall average life expectancy (years) % difference to national average
Blackpool 76.9 -5.78%
Manchester 77.4 -5.12%
Middlesbrough 77.7 -4.75%
Hull 78.2 -4.18%
Liverpool 78.4 -3.96%
Blackburn 78.4 -3.92%
Knowsley 78.6 -3.69%
Oldham 78.8 -3.46%
Stoke-on-Trent 78.8 -3.43%
Rochdale 78.9 -3.34%

Meanwhile, people in Kensington & Chelsea live the longest, beating the national average by 3.5 years and reaching the ripe old age of 85.1.

All ten places with the lowest life expectancy are in the North, while the top ten places for life expectancy are within 40 miles of the City of London – with eight of the top ten falling in London boroughs.

Table: Top ten places for life expectancy

Place Overall average life expectancy (years) % difference to national average
Kensington & Chelsea 85.1 4.23%
Camden 84.4 3.47%
Harrow 84.2 3.19%
Richmond upon Thames 84.2 3.13%
Westminster 84.1 3.09%
Barnet 83.6 2.47%
Bracknell 83.4 2.22%
Wokingham 83.4 2.17%
Kingston upon Thames 83.3 2.11%
Bromley 83.2 1.93%

Life expectancy can be attributed to a variety of factors, many of them surrounding quality of living and health resources that reflect the socio-economic divide between the North and the South.

One other area where the poverty line has an impact is in will writing. The majority of the country (60%) have never written a will, a crucial preparation for what happens after life, despite Beyond leading the way by offering a free will writing service.

Ian Strang, co-founder of Beyond, comments:

“The North-South divide is alive and well in death it seems.

“But it doesn’t just stop at death. Northerners are penalised after life too.

“Because of cost concerns, fewer people in the North get around to making a will, meaning they are more likely to die intestate than Southerners.

“It’s vital that wherever you live in the country, you write a will to spare your family legal issues. There’s no longer any excuse not to because you can quickly do it for free, online via Beyond.”

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Censored to Celebrated: Funeral Ads Banned by TFL Win Big at Prestigious Awards 0

  • After life services website Beyond win big at Drum Awards for series of ads deemed too risqué to run on the London Underground this summer
  • Ads for wills and funerals that parody other consumer posters such as holidays, weddings, cars and medicines earn advertising industry approval
  • TfL censorship actually led to more people seeing the ads, which then garnered huge international media and social media interest

A series of controversial adverts that caused a stir this summer when Transport for London (TfL) refused to show them on their trains has earned advertising industry approval after winning big at last night’s Drum Awards.

The censorship created a significant media storm, with the banned ads consequently featuring on major news platforms in the UK, Europe and the rest of the world – the likes of the BBC, Channel 4, The Sun, Daily Mail and even The Washington Post all covered the story.

And now, after life services comparison website Beyond, who devised the campaign to be deliberately risqué, has been celebrated at the prestigious Drum Awards, winning for Best Viral Campaign.

The campaign was rejected on the grounds it may cause offence, a departure from recent bans which have tended to be due to a clampdown on nudity.

Each of the four adverts was cheekily designed to draw comparison with other, more accepted consumer products.

Choosing a funeral director was likened to car shopping; Beyond’s free will writing service masqueraded as a cough remedy advert; one image encouraged viewers to plan for their funeral in the same way as they might their wedding day; and another compared getting a good deal on a cremation with a package holiday.

None of the ads was allowed to run on the London Underground, despite there being no precedent of similar images being censored – in part because no such campaign has been devised before. An online poll, to which thousands of people responded, found that the vast majority (76%) believed the ads should have been allowed to be displayed.

Ian Strang, co-founder of Beyond, comments:

“Following the controversy, we were overwhelmed by the support we received from the public and this award gives a further stamp of approval from the advertising industry to our campaign.

“As a bonus from this awareness, hundreds of people created their will online with us for free, raising several hundred thousand pounds for charity through legacy gifts.

“While we’re delighted with the exposure that the adverts have received, I am aware that not everyone agrees with our approach, and of those who do, not all of them have been exposed to the reasoning behind the adverts and what we are trying to achieve.

“When something is taboo, as with death, it creates an environment where bad actors can operate. And our fear of engaging on the subject – creating that shared code of silence – allows predators to rip us off. We pay too much for funerals, funeral plans and wills because we don’t feel able to shop around.

“Excitingly for consumers, the issue seems to be coming to a head since the CMA has been investigating the funeral industry since the summer, and will report its findings and recommendations within the next week.”

Government Probate Fee Hikes to Hit Bereaved Families Hard 0

Family holds up piggy bank spilling out coins

In a controversial move, the government will be changing their official probate fees from £215 to as much as £6,000 for some bereaved families.

At the moment, families who need a grant of representation to settle the estate of someone who has died pay £215 in government probate fees, or £155 if they have professional help. Estates worth less than £5,000 are exempt.

Under the new fee structure, families settling an estate worth more than £50,000 will pay between £250 and £6,000, depending on the size of the estate.

Opponents of the new probate fees have called them a “stealth tax” that will hit vulnerable bereaved families hard.

However, the government has said that due to the higher threshold for fee payment, an extra 25,000 families each year won’t pay anything at all. 80% of those who will need to pay will face fees of £750 or less, with a maximum of 0.5% taken from any estate.

“Fair and more progressive”

In a written announcement, Parliamentary Under-Secretary for the Ministry of Justice Lucy Frazer MP said: “This new banded fee model represents a fair and more progressive way to pay for probate services compared to the current flat fee and reflects our commitment to protecting access to justice by ensuring we have a properly funded and resourced courts system.”

She also claimed that there were “several options” for families to fund the new higher fees and those who struggle to pay may be able to apply to the Lord Chancellor to remit the cost under exceptional circumstances.

“£10 million” in charitable income lost

As well as families, the change in probate fees could also have a significant impact on charities, which often rely heavily on the ‘legacy’ money that people leave to them in wills. The Institute of Legacy Management estimates that the higher charges could cost charities as much as £10 million a year in lost income.

Matthew Lagden, chief executive of the ILM, said that “The government’s own impact assessment acknowledges that the current fees cover the average costs of making a grant of probate, so we are clear that this is a stealth tax, which will be borne in part by charities,”

“We are also very concerned that the government’s impact assessment dismisses the costs to the charity sector as ‘not expected to be substantial’, when the £10m lost to this tax would fund vital services across England and Wales.”

What are probate fees for?

When someone dies, the executor of their will (or if there’s no will, their next of kin) needs to sort out their legal and financial affairs. Their money, property, assets and belongings all need to be passed on to the right people.

To access things like bank accounts, change property deeds, or transfer shares belonging to the person who has died, a grant of representation may be needed. This is an official document that states that a person has the legal right to settle the estate.

To set the grant up, the HM Courts and Tribunals Service charges a probate fee – so called because the kind of grant of representation you get is called a grant of probate if there’s a will. It’s called a letter of administration if not.

On average, 51% of estates in England and Wales can only be settled with a grant of representation.

How are the fees changing?

The current probate fee is a flat rate of £215 charged to DIY applicants, or £155 for those using professional help. It’s the same for estates of all sizes.

The new probate fees will be based on how much the estate is worth in total:

  • <£50,000: no fee
  • £50,000 – £300,000: £250
  • £300,000 – £500,000: £750
  • £500,000 – £1 million: £2,500
  • £1 million – £1.6 million: £4,000
  • £1.6 million – £2 million: £5,000
  • £2 million or more: £6,000

When will the higher probate fees come in?

The new fee structure will apply from April 2019 on.