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I am also one of those who can't see the point. I'm expecting the estate to cover. These plans aren't run by not-for-profit companies anyway so it's probably beneficial to start a savings account if worried, instead. I'd wonder if those who might benefit might not be those unable to afford them anyway, and end up defaulting on payments ?
My plan goes like this: my sons are to get my remains up convincingly, put them in a wheelchair and take them on a cross-channel ferry, and tip them over the side while nobody's looking. Then my sons are to go home and get drunk, and say nice things about me.
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