I was paying into an insurance sceme but found that every year we were paying more and more so I cancelled it. As the cost of a funeral is going up each year , last year I think it was 10%, I have now done a paid up funeral plan with Avalon for both myself and my husband. The staff where very informative and extremely helpful as well, and now at least I have peace of mind that when anything does happen to one of us the one left behind will have no worries, they just dial the phone number that was given to us with the paper work and Avalon do the rest. Also if we should ever decide to move back to the UK or another European country the Paid up funeral plan moves with us. Here in Spain you normally have to pay for the funeral before or on the day of the funeral and in most cases your Bank account is frozen. When I took ours out in 2011 I was told that the cost of a Funeral was in excess of 4000 Euros, so the fact that ours cost 5600 euros for both was a very good deal.,(and the money is lodged with Barclays bank in the uk), but you can pay over 5. 10, or 20 years if you prefer. You can also get information off the website regarding Death procedures on
www.spnfuneralplans.com/deathprocedures.html. This tells what will happen if your loved one dies in hospital, or at home, plus loads of other information.
I hope this information has been useful, as it is not a subject we like to discuss but I for one am completely as ease knowing that I do not have to worry as my Spanish is not all that good and also where would I find the money at such short notice?