Sunlife & Royal London 2017 Reports: Our Response 1

sunlife royal london funeral cost 2017

Over the last few weeks, both Royal London (National Funeral Cost Index) and Sunlife (Cost of Dying) published their annual reports on the funeral industry. These look at average costs of funerals in the UK, and compare them to prior years, examining funeral trends in the last year, and looking for the reasons why costs are changing. These reports are quoted throughout the year, seen as the definitive indicators of how much a funeral costs in the UK in the given year.

sunlife royal london funeral cost 2017

 

On the Beyond site (previously Funeralbooker), we hold itemised pricing for over 850 independent funeral directors all over the UK. Since we launched in late 2015, we have helped thousands of people to find and engage a funeral director. While we welcome reports which show the scale of funeral costs in the UK, we do feel that the large fees being quoted by Sunlife and Royal London are misleading, as they set an expectation that a funeral costs an excessively high amount, do not show in any substantial detail how savings can be made, and nor do they highlight any of the funeral directors committed to fair pricing, of which there is a high number.

 

The average cost of a funeral in 2016-17

The figures below include all disbursements, or third-party fees, such as burial or crematorium fees, doctor’s fees, coffins and flowers.

Sunlife Cost of Dying: £4,078

Royal London National Funeral Cost Index: £3,784

The average cost of a funeral purchased through Beyond in the year to August 2017: £2,806

 

Why are funerals facilitated by Beyond so much cheaper?

Sunlife and Royal London’s methodology seems sound. Their averages are likely so high because they incorporate pricing from the large chains, Co-op Funeralcare and Dignity, who have historically had higher prices than the independent funeral directors whom we work with. Earlier this week, we published a report about Dignity in particular, arguing that at 83% more expensive than the fees displayed on our site, their business is unsustainable, overvalued and heading for a crash.

 

It’s also true that people who are using Beyond to compare local funeral directors in their area are more likely to be aware of how high funeral costs can be, and more interested in getting a good deal than those who do not.

 

Nevertheless, when contrasted with actual costs of real funerals arranged through Beyond, it seems obvious that the figures quoted by Sunlife and Royal London are misleading and likely skewed by the pricing of the large chains. Since the reports are talking about a national average, it makes sense that the costs of the two largest chains, which represent around 34% of the funeral industry in the UK, should be factored into calculations. A distinction must be made, however, between the fees being charged by these chains, and the far lower fees being charged by the independents. At a good thousand pounds lower than the reported average, we are showing that a dignified and fitting funeral can be done cheaper, and making it possible for bereaved families to find the funeral directors who won’t rip them off. Sunlife and Royal London should be making the readers of their reports aware of the fact that these funeral directors do exist. By giving such a high average cost, this is hardly representative of the many smaller funeral directors who are committed to affordable funeral care, and tars them with the same brush as the chains who are driving the increases in funeral costs.

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1 Comment

  1. Posing the question “How much does a funeral cost?” is misleading when you respond with an answer to another question, “How much is a funeral director’s bill?” The actual cost of a funeral depends mostly on our attitude to dead bodies and death, the undertaking trade’s monopoly on available mortuary space, and our reluctance – or enthusiasm – to take ownership of the ceremonial disposal of our dead.

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What Happens to Your Body When You Die? 0

What happens to your body when you die

What happens to your body when you die? It might seem like the very definition of a morbid question. But there’s actually something fascinating – even beautiful – about the transformation the human body undergoes when life ends.

Plus, unlike the question of where your soul goes, we actually know a lot about what happens to the body after death. Here’s the lowdown.

 

What happens to the body immediately after death?

Right from the moment of your death, your body starts to change.

 

Your heart stops beating 

What happens to your body when you die - human heart

When the heart stops beating, blood stops moving around the body. This has a few immediate effects:

  • Pallor mortis: you turn pale as blood drains from the upper-facing side of your body. This may not be noticeable if you’re not light-skinned, though.
  • Algor mortis: your body begins to cool down from its usual 37°C, at a rate of about 0.8°C an hour. Sometimes known as ‘Death Chill’ (which is also a great band name).

 

All your muscles relax

Tension falls out of your face, skin sags, and your jaw may fall open. Laugh lines smooth out (a plus). But sometimes, your bowels empty as well, since sphincters stop closing (a big minus).

 

Hospital staff tidy you up

Don’t worry though – you won’t stay messy for long. If you’ve died in hospital, the staff there will perform ‘last offices’ within the hour: cleaning you and arranging you neatly. If not, the funeral director will do this slightly later.

In some cases, a post mortem will take place after a death. That’s a medical examination to find out how someone has died. It’s typically for people who have died suddenly, rather than after a long (already diagnosed) illness.

 

Your body turns on itself

The human body is packed with enzymes that help us with things like digestion. While you’re alive, they’re harmless. But within minutes of your death, they leak out and turn their attention to breaking down cells in your body, starting with your liver and brain (the tasty parts). The process is called autolysis.

 

What happens to your body in the first few hours after death?

What happens to your body when you die can tell crimefighters a lot. Starting with…

 

Livor mortis makes you black and blue

With your heart no longer pumping, your blood obeys the laws of gravity. As it drains from the upward-facing side of your body, it pools on the underside, creating purplish bruise-like patches.

Did you know? The placement of livor mortis patches help coroners determine if someone’s body has been moved after their death.

 

Rigor mortis gives you a stiff upper lip (and everything else)

What happens to your body when you die - twitching

Your body begins to stiffen up and fixes in one position. This begins 2-6 hours after your death, and starts with your eyelids and neck. Rigor mortis starts to wear off within a day or two. If you can die in an amusing position, so much the better.

 

You may even sigh, groan and twitch

Yes, sometimes dead bodies flex a little as the muscles contract. And when you’re moved, air can escape your lungs, creating the occasional groan or sigh. Disconcerting for morgue staff on late-night shifts!

 

What do undertakers do to a body?

What happens to a body at the funeral home depends a lot on the wishes of the family. But here’s a rough guide.

 

Embalming becomes an option

At the family’s request, the funeral home staff may embalm your body. Embalming is a chemical preservation process that can drastically slow down decomposition. 

Unless your body is due to be sent abroad, embalming is not legally mandatory. People can still touch and spend time with your body without it. But it does keep you looking like you did when you were alive for longer (for better or worse). You can find out more about embalming here.

 

You get dolled up

What happens to your body when you die - shave

Whether you get embalmed or not, your body is washed and groomed. Nails will be trimmed, hair brushed and styled: that sort of thing. Make-up can be applied. If you’re usually clean-shaven, you will be given a shave. Family members can bring in a picture to show staff your usual ‘look’.

 

You’ll be chilling out

Usually there is a two or three week wait between a death and the funeral. So, bodies at the funeral home are kept very cold to slow down decomposition. 

 

You may receive visitors

If your family or friends would like to come and see your body before the funeral, you’ll be taken to a visiting room. This is often called the ‘chapel of rest’ or something similar. There, they can talk to you and even hold your hand.

 

What happens to the body in the first few days after you die?

If your body is embalmed or immediately refrigerated, it may take more time before the following processes kick in.

 

Bacteria have a gas

As cells break down and more enzymes leak out, your body becomes a feast for bacteria. These start in the gut (home to trillions of “friendly” bacteria) and work their way out. Gases released by the process cause your body to bloat up, sometimes to twice the size. 

Fluids, meanwhile, are pushed out: one of the reasons funeral directors pack the mouths, noses, ears and other orifices of the dead with cotton pads.

What happens to your body when you die - going green

 

You go green – and black

Blood cells leak, and bacteria turn the haemoglobin there into sulfhaemoglobin. This gives your skin a greenish hue, darkening and marbling into black in places.

 

Your skin can go walkabout

Within 2-3 days, something called “skin slippage” occurs. This is exactly what it sounds like. The build of fluids and gases in the body causes the outermost layer of skin to loosen and, in places, slip off. The skin underneath can be very slimy to the touch.

 

You smell less-than-pleasant – to humans…

Other by-products of the bacteria party in your body are cadaverine and putrescine. These aptly-named substances give bodies their distinctive odour. This in turn attracts visitors: tiny blowflies that come to join in the fun.

 

What happens to the body after death in a coffin?

Most funerals take place two to three weeks after the death. What happens to the body after burial (we’re assuming you’re not cremated here) is again variable. In very cold and very hot places, decomposition is slowed. Sometimes, mummification happens. But here’s a general overview.

 

Bloating intensifies 

Like someone in a yoghurt advert, your body continues to bloat. Unlike someone in a yoghurt advert, it liquefies inside, and more fluid and gas will be released. It may eventually split open due to the pressure. 

 

What happens to your body when you die attracts flies

Insects get busy

Remember the blowflies from earlier? They laid eggs, and those eggs will hatch into maggots. In certain ‘perfect’ conditions, there can be so many maggots that it increases the inside temperature of the body by 10°C. These attract other hungry insects, like beetles, and spiders.

All this might sound kind of horrible. But your body helps create new life. Maggots and worms are eaten by beetles, and both are eaten by birds. Nutrients enter the soil and enrich it. It’s nothing to be frightened of.

 

Your hair and nails fall out

About a month after you die, your hair and nails fall out as the skin beneath decays. They don’t disappear, though: after the skeleton, hair in particular is one of the last things to go.

 

You dry out

Once your soft inner tissues have decomposed, your body becomes dry and brittle. You’re left with bones, hair, cartilage and the sticky residue of decay. Larger beetles move in. Skin sags, and you look “caved in”.

 

What happens to your body when you die - dancing skeletons

Skeletonisation occurs

Basically, you’re just bones. The skeleton decays at a much, much slower rate than the rest of your body. 

At around 10°C, it takes roughly four months for the skeleton to be fully exposed. But it takes years for the skeleton to crumble – although this is helped along by acids in the soil, funghi and bacteria. To the joy of archaeologists everywhere, they can survive centuries.

 


 

That’s it! Everything you might want to know about what happens to a body in a casket over time, or what happens in the first few minutes.

Feeling queasy? If you have strong feelings about what should happen to your body when the time finally comes, don’t forget to make plans ahead of time. Discover our flexible funeral plans here.

And for more information on death and funeral topics, don’t forget to check out the rest of our blog!

Comparing Attitudes to Wills 0

What happens after we die?

It’s a spiritual question for some. For others, it’s about what happens to our money, belongings and reputation – the mark we leave on the world.

The UK's Attitude to Wills

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Every will is checked by our in-house experts, who are on hand to answer your questions every step of the way. 

So, why wait? Click here to make your will today.