No one ever seems to talk about the financial journey immediately faced by those who lose a loved one.

Culturally, the focus is on the emotional elements of the death of a loved one, of death, of grief.

Suddenly there is a space where there simply wasn’t before. You can’t say things to space, and you can’t lean on a space, and space has no heat and no smell.

Meanwhile, life moves on to the next season at the same speed as always, don’t wait. Look outside; the clouds are moving across the window pane, and the sun will soon set as it always has…

… and life continues to revolve around finances and the specificities linked to finances. But, in the UK anyway, it’s as if it’s unseemly to discuss money and financial matters outside of a solicitor’s office. However, money is a practical item that can be of great help. And clear advice and discussion are much more helpful than muttering under your breath.

There is nothing good or bad about money, it is simply a thing. Any emotion related to money belongs to whoever brings the emotion. Money has no emotion, it is neutral.

What is not neutral is that your loved one would not want you to leave money in a bank where it does not belong, but rather would want you to have access to it. I’m going to show you;

1) Why should you do this.
2) How to do it.
3) How little YOU will have to do

Common support tips.
Common immediate advice covers areas of emotional support, and addressing these areas is invaluable. They focus heavily on mental and emotional health, such as expressing and releasing feelings; And don’t pretend it’s okay when it’s not. There’s also a lot about how everyone deals with death differently; Give yourself time to heal; Know that it’s okay to be messed up.

Slightly more practical aspects include; join rituals such as memorial services; preserve memories by planting a tree or running a charity run; join a support group; stop drinking.

There are 3 things you should do in the first few days after someone dies;

Get a medical certificate from a GP or hospital. You will need this to record death.

Record death within 5 days (8 days in Scotland). Then you will get the documents you need for the funeral.

You can use a funeral director or fix it yourself.
After this, there are a series of things to do, with many exhausting details, including reporting to the government and dealing with taxes and benefits. The checklist grows even further to include notifying banks and insurance companies; credit companies to prevent identity theft and others; any employer (and there may also be an employer-sponsored insurance plan); utility and service providers.

The financial level BELOW the financial level.
And now to where a surprising level of potential sums may lie: in your loved one’s existing or old accounts. I am talking about PPI and Investments. This is very important; It is NOT a waste of time; and above all it is easy because the detailed work can be done for you.

In summary, what we would need to be able to help you:

1) Your part is simple. It’s as easy as calling or emailing ONE TIME to start the process.

2) VERY significant; meaning any PPI claim made NOW is worth much MORE (hint: it’s in the items of interest!) because of the time elapsed. Now, assuming most loved ones were older when they passed away, that means there is real and high potential value in these claims. 4 and 5 figure sums are not unusual, this includes when an investment is offset.

3) And finally regarding investments. Now, just to be clear, what I am NOT referring to is accessing or “cashing in” your loved one’s investments; that will happen as part of the process of pursuing all the aspects that make up the Heritage. What I’m referring to is when investments haven’t been releasing what they should (and don’t worry, that’s up to us, not you). There may be AWESOME claims in this area. Obviously it depends on the circumstances, but tens and hundreds of thousands of pounds are not unusual. If your loved one had ANY investment, we want to know about it.

So there it is then. ONE call or email, and you can unlock sums that may be there, in your loved one’s existing or old accounts and, with interest added over time, can be very valuable.

Your loved one would want YOU, NOT the bank, to receive them.

LET’S GET THEM BACK!