# EP 40 - Lo único seguro que tenemos es la muerte ft Funeraria Blandino

An episode of [Economics Data Podcast](https://invisiblenetwork.ai/podcast/1690287258), 6 Mar 2024, 41 min.

Audio: https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58938265/ed_blandino.mp3

En este episodio hablamos de un tema que obligatoriamente se va a tocar el algún momento de nuestras vidas ya que es lo único seguro que tenemos: la muerte. Hablamos con la señora Virginia Redondo, VP de Grupo Blandino para romper el tabú de que no se puede hablar de la muerte y cómo podemos planificarnos financieramente para este momento. Si quieres seguir aprendiendo de finanzas “con cucharitas” síguenos Instagram: https://www.instagram.com/economicsdata?igsh=MTlvbWh6dGpuNXNoNQ%3D%3D&utm_source=qr Youtube: https://youtube.com/@economicsdata257?si=9fyEt_UkKlF4iZbZ TikTok: https://www.tiktok.com/@economicsdata?_t=8jr1dO433ZN&_r=1

## Transcript

[0:02] Welcome to Economics Tata, your Podcast of Finances Here we will speak light and
[0:08] sincerely of money where together we will turn the difficult into easy and clear we
[0:16] will take our finances to another level. From now on, your numbers will
[0:19] be as if you' ve never committed errols for a lecturing past, a
[0:25] healthy present, a promising future, and a grateful pocket. That' s
[0:29] why we' re following us on Instagram, Facebook, tiktok, linking and
[0:32] Twitter. Arroba Economistad hi, hi welcome to a new episode more Economics Tata
[0:37] to your Podcast Finance. I' m Kimberley and I' m Laura,
[0:42] Laura Camacho. Today we are going to bring here to this podcast a topic
[0:50] that you necessarily want or do not want. You' re either right or
[0:54] you' re wrong. Even in the best families. It is a subject
[0:58] that will be touched upon at some point and is the subject of death,
[1:03] Lords, a taboo subject, a subject that many people avoid, a subject
[1:07] that generates anxiety for many people, but it happens to everyone. One is
[1:14] born and one is born with that cross above. One knows that life has
[1:17] an end and not only one' s own life, but also that of
[1:22] your acquaintances, your relatives. It' s the only sure thing we have.
[1:26] It' s how certain we have and aside from taxes, and eventually
[1:32] it' s a subject that has to be touched upon. But usually in
[1:34] our country we have realized that it is an issue that is avoided, that
[1:40] is only touched when it is already totally bound. No one prepares to talk
[1:45] about what is coming, what is to be covered when the death of a
[1:48] loved one comes and then we wanted to imitate an expert on the subject of
[1:53] Mrs Virginia Redondo, Vice President of Operations Services of Bolandino Group. Good one,
[2:00] Virginia, welcome, welcome, good afternoon. Thank you, Thank you
[2:05] for the invitation, Thank you for coming here to share with us about your
[2:09] experience to build listeners on how we can approach this topic to financially prepare ourselves
[2:19] by speaking our pockets for when we have to cover the death of a loved
[2:23] one and even our own death. That' s right, that' s
[2:27] good. I think it' s important that, before we talk about how
[2:31] we' re going to financially cover this issue, that we talk about how
[2:38] we' re going to emotionally cover this issue, because one thing goes hand
[2:42] in hand with the other. I always think that the most important thing about
[2:49] this topic is to talk about it when we' re alive, when we
[2:54] ' re in health, because it' s really the only time a topic
[2:59] as difficult as this one can be about an approach as more transparent, more
[3:05] diaphanous, without stress, because nothing is happening to anyone. We, for
[3:08] example, as a family, learned the subject of death when Daddy died and
[3:15] my dad had I would say he was a teacher to us on that because
[3:21] the day he was diagnosed he knew he had cancer, and he lasted five
[3:24] years after cancer. That same day he wrote him a letter and said everything
[3:30] he wanted and everything he didn' t want. For example, and I
[3:35] really remember that it was a letter that gave it to my sister and me
[3:38] and it really kind of guided us through all the years and all the decisions
[3:43] that had to be made afterwards. That' s why it' s important
[3:50] that we know how to address these issues when we don' t have the
[3:58] situation on top, because when we have it on us, there' s
[4:01] like a human pruritus, there' s like an even a fear. Sometimes
[4:01] we have a need like not to tell the sick, that to that person
[4:06] we want, that she' s sick, that what' s coming next
[4:11] is that we' re going to say goodbye. Sometimes we ourselves do not
[4:13] want to see that that person is already saying goodbye to us in many ways.
[4:18] I mean, it' s a two- way thing, I mean,
[4:21] we don' t want to talk. The patient doesn' t want
[4:27] to worry us and thus creates a vicious cycle that can be broken very easily
[4:32] if we get used to talking about this topic. Obviously, not that we
[4:35] ' re going to live talking about this subject, but finding those moments that
[4:43] there are to say what we would like, and not that we would just
[4:46] like death, but that we would like in the last days of our life.
[4:51] I am a witness, for my office, of all those lamentations of
[4:59] all that sadness, that is, that accompanies a family when it feels that
[5:03] or is not sure that it did everything that it should have done or everything
[5:08] that it believed, that it should have done or everything that it thought that
[5:13] to its loved family that it left it would have liked it to be done.
[5:15] And that' s just because you didn' t have that conversation.
[5:18] We need to talk when we' re in health. We have to talk
[5:24] if we aspire to be on a respirator one day, if anything happens to
[5:29] us, we have to say if we want to suffer pain and endure and
[5:34] cling to all the choices that science offers us or if we simply want to
[5:39] die calm in our home surrounded by our excellent loved ones. So those are
[5:43] subjects that you definitely have to touch on. You have to decide for yourself
[5:47] when you' re okay, even what you want in those last moments.
[5:53] And then also a Virginia lady can decide even if she wants that I'
[6:01] ve only seen it in movies. I don' t know if it really
[6:04] happens, like if you want the ashes there are people going to ashes that
[6:11] if we go to ash or if we go to a box and the ashes
[6:15] where they go too? All that can be decided? All that can be
[6:17] decided. Obviously, not at a very high percentage, but a few years
[6:23] ago we have seen that some people are taking that kind of prevention. Yes,
[6:30] some people are doing it, especially through those options, funeral plans,
[6:34] products that our company has, have, has the funeral industry in general,
[6:41] and that has been generating in many people the awareness of being better prepared.
[6:50] However, there are very few who assume the plan, that is, to
[6:58] prepare for themselves, but we have already seen it. So that means something
[7:01] ' s changing. Yeah, I think it' s how I could compare
[7:06] the time as financial education a few five or ten years ago, which was
[7:13] different, which was a taboo, it was a taboo that didn' t
[7:15] talk the same to people who avoided it, yes, about finance. People
[7:18] avoided talking about finance. And so, I think with death. As I
[7:21] told you before the episode, I never really thought of the meaning, even
[7:28] going to funeral homes of death, until it happened to someone very close to
[7:33] me, or that it was last year and I think I mean. And
[7:36] then I really started thinking about death and I said like wo, but nobody
[7:41] talks about it. I mean, nobody talks about death. It' s
[7:44] a topic like that you can' t talk about. And when it happens
[7:47] to you that you, that is, left that loved one with that attachment
[7:51] that you have, naturally, you start to wonder and think really and maybe
[7:57] without that planning that you were talking about, because since nobody talks about it,
[8:03] nobody knows most people now are changing, but most people are not planning
[8:05] for that, not even they or their loved ones. And the time comes,
[8:13] at that moment, one, the least you' re thinking about,
[8:18] it' s like in that kind of thing, that is, you want
[8:22] to sort that out quickly and maybe without planning, not make the best financial
[8:28] decisions and craving exactly, because you' re emotionally hurt and you want to
[8:35] close the trance, close the subject exactly. So what do you recommend for
[8:41] those people, those plans that you have that already today, yes, that
[8:48] is, this episode we should talk about death. True, we must plan
[8:52] for that, both ourselves and perhaps even for our loved ones and family plans.
[9:00] You can' t comment a little on what you currently offer so much
[9:05] on the day it happens that you are going to introduce the relative or also
[9:11] if you have plans with an emotional accompaniment, because there is also that part
[9:15] of the grief. They have some of those plans that could tell us if,
[9:18] of course, we, as a company, long ago assumed as our
[9:24] most important corporate social responsibility education on the subject of mourning and we have even
[9:31] a segment that we have done in different ways, that we call necessary conversations
[9:39] and that speaks precisely about all the issues related to mourning and that are taboo
[9:46] Obviously, as you yourself have pointed out, many people are interested in participating
[9:52] after they have suffered a loss, that is, preventive education, to say.
[9:54] So, not yet. No, no, it' s not minimal.
[10:00] We are not there and, as a saying goes, the teacher appears
[10:05] when the student is ready, that is, one, cannot teach or talk
[10:09] about subjects that the other does not really want to talk about. But we
[10:13] do understand that that emotional accompaniment, that is, we, as a company,
[10:22] give that emotional accompaniment through bimonthly talks that we make and call to us
[10:28] all the families that have suffered losses during those months, and then we give
[10:33] that talk, let' s say educational about their mourning process. We talk
[10:37] about the different duels, because the duel, although it is unique and is
[10:43] also individual, very personal, has different characteristics, depending on who was the
[10:52] person who left, how was the relationship of the people involved in the process,
[10:58] because we see that there are, for example, children who had an
[11:03] excellent relationship with that mom who left and make a process of normal mourning,
[11:09] healthy greetings, that is, within the normal sadness. And yet there are
[11:15] others who may not have had that excellent relationship and then have another kind of
[11:18] mourning. That depends a lot on the person, the relationship and all that
[11:22] then regarding the options we have to prepare ourselves on these kinds of issues.
[11:28] We have two products, essentially one aimed at the target audience who wants to
[11:35] have greater coverage, greater coverage of families, for a lower payment price.
[11:43] This works. This is a funeral plan where the person pays six hundred and
[11:48] fifty pesos a month and has five family members covered, covered, hidden their
[11:56] basic service, that is, they have a guaranteed service of fifty and nine
[12:01] zero fifty nine thousand and some pesos that that is enough to cover, as
[12:07] one service let' s say basic OK. And we have another guy.
[12:09] This, this product we have through foreseeing and we have another product that is
[12:16] called pre- arrangement that this is for the person who wants to buy a
[12:22] specific product and in that case, that product, that specific service. The
[12:28] contract is signed giving ten percent of the initial and then install quotas ranging from
[12:33] that, quotas that accommodate the person, adjust and can. This can be
[12:43] taken from one year to four years. They pay and go off and when
[12:48] you say a specific product that includes, that' s good. But when
[12:52] I say a specific product, basically everyone has an idea of how they want
[12:58] to make their family a wake and burial. But there are commodities that are
[13:05] basic, that is, basics. When I tell you, for example,
[13:09] a basic product, we are obviously talking about the collection of the deceased person,
[13:13] wherever he dies, the type of coffin to be used, the wake
[13:18] in chapel and the transfer to the cemetery where the person has had or has
[13:26] a there yet there is not a piece of land, that is to say
[13:31] there still we are not talking about that purchase, that the land is another
[13:37] plan. So, in that sense, normally when I tell you, that
[13:45] is, in foreseeing what you have is that basic service, that is,
[13:48] everything that implies, the wake, etcetera. Obviously, there are by-
[13:56] products that already have a lot to do with every client. In the case
[13:58] of prerre, people can, that is, come to choose, as we
[14:05] are going to say, a service that includes not only the basics, but
[14:09] that includes other things. What are those other things, embalming, flowers,
[14:13] maybe a different box, the different types of coffin, which is really in
[14:20] the end that' s what determines the cost of service. Because at the
[14:28] end of each person' s dignity has the same value, that is,
[14:33] the only thing that can differentiate, that is, in the same infrastructure.
[14:37] It' s all the same. What changes the type of service you want
[14:39] to choose. You can choose a service that is col according to your budget
[14:46] and do it with the same dignity as one who does we will say that
[14:52] it has another budget. That depends on the kind of coffin you choose.
[14:56] You can have Creole- made coffins, you can have imported coffins. You
[15:01] can add to that service, for example, a family tribute. That is
[15:09] known in some way adds up if you buy many flowers to say, decorate
[15:13] in some way or embellish that moment for the whole family. But anyway,
[15:20] you can bring a picture of your loved one and put it on. That
[15:24] ' s not gonna cost you. So it' s important to be aware
[15:28] that preventing you can choose with time, what kind of product you can have
[15:35] and you can pay exactly with planning, because the point is that we come
[15:43] to this decision when we already have everything up, when we don' t
[15:48] even have the time to sit down and say ok Mira. I have,
[15:50] I have this here, I have this there, but the whole family has
[15:54] to see or how it resolves, that mainly fall on the brothers, brothers,
[16:02] wives, children. The importance of the person discussing this issue is that
[16:08] he has already left a guide and that discussions between families are avoided. It
[16:14] ' s very because everyone has a clear idea, so, for example,
[16:19] for saying something if my dad only talked to me that he wants to cremate
[16:27] and none of my other five brothers knows it not so well. So that
[16:32] ' s where problems begin, which is what I say should be avoided by
[16:36] having those necessary or difficult conversations that we have to have at some point,
[16:42] because, as you said, when we start this space, that is,
[16:48] since we were born, the only thing we have for sure is this that
[16:52] at some point we are going to die. These days I was updating myself
[16:55] I really like reading this topic and there is a very good book that I
[16:59] recommend them. It' s called Mortal Being, named after Atulga Oande.
[17:07] He' s a doctor who' s won a lot of awards. He
[17:11] writes very nice and said there is a scientific debate. Whether death has to
[17:17] do with genetics or whether it has to do with wear and tear. Then
[17:22] he said in the end what matters for genetics or wear. We' re
[17:26] all gonna die. Then he told his own experience of how his father had
[17:32] given the guidelines and how that helped them manage themselves. Yeah, so that
[17:37] ' s what happens if you haven' t had the conversation, other people
[17:41] don' t feel part of it. Maybe it' s wonderful for you
[17:45] to think about cremation for someone else. Not sure, definitely, Doña Virginia,
[17:52] is a topic that is spoken in life, as you mentioned at the
[17:56] beginning, but in order to speak it in life, I think this episode
[18:00] is going to be a great guide, because people need to know what is
[18:03] being spoken. I mean, for me, for example, this thing we
[18:06] ' re talking about. It' s a new subject. I didn'
[18:10] t understand about those products you mentioned. Look how I didn' t even
[18:15] know the subject of the earth, that' s a subject I want to
[18:17] touch on now. That' s what they offer. You do too,
[18:19] you have palans. We offer them We offer them as well. That'
[18:23] s part of the additional choices anyone can make. It also doesn' t
[18:30] have to be pre- planned. There are people who pass it by without
[18:33] warning, and they also have access to those products. I mean, we
[18:36] got him. We have it in our private cemetery, gate of heaven,
[18:41] but we also offer it in public cemeteries. Both Christ the Savior and Christ
[18:48] the Redeemer people have a chance to have There we are going to say a
[18:56] pantheon that is going to be in some way cared for by us others.
[19:00] Ok I want to highlight something that has not been said, and that is
[19:07] that many people not only have the expense of the cemetery, the expense of
[19:11] the funeral, but they have just left a clinic where there is a medical
[19:15] process that, although you have insurance, always involves a copay or additional costs
[19:26] nurses, treatments that are not covered and really financially, is a real challenge.
[19:32] Yeah, it' s something that can fit a whole family of ugly
[19:37] squadroning now. Yeah, you have to look for debts for a lot of
[19:42] people, and it' s something you have to do. Yes or yes,
[19:45] because I mean, it' s your loved one there. How important
[19:48] it is to talk about it. For example, in that letter Papi wrote
[19:52] to us, he told us if my life time exceeds what it covers,
[19:56] my insurance policy, whatever it is, I don' t like to be
[20:02] defied, to be indebted to the business, that is he had the interest
[20:07] to sit down and write us all that. We weren' t gonna do
[20:08] it. We weren' t going to because attachment, attachment wouldn' t
[20:12] have left us. But that gives you as an idea, I mean,
[20:18] that gives you as a friend' s foot, as for the decisions that
[20:22] have to be made. And going back to the subject of this book,
[20:26] which I read said it was important that as a family of a sick person,
[20:34] we should be ready to have the difficult conversations with doctors, because sometimes
[20:41] doctors want to heal us, want to save us, because that they have
[20:48] been trained for that sometimes neither guide us and do not allow us to realize
[20:53] that, to say something, that invasive process in which we are going to
[20:57] put a family member of us, in the end what it is going to
[21:02] be is perhaps to lengthen life equi and Greek. But you, as a
[21:03] family and patient, don' t ask those questions. And all that needs
[21:07] to be known clearly or whether he will be suffering or, for example,
[21:11] the consequences of extending that life after exactly what it is, such as,
[21:17] for example, when they intuit someone who then at a certain age, already
[21:22] at eighty- something, after that does get better. Then they have to
[21:27] make another intervention. Then it' s things that you don' t see
[21:33] at the moment, because I say that for such a farewell, you are
[21:38] never ready, but you can plan, as we said, with these preventive
[21:45] plans financially, talking, asking questions of what you would like and, as
[21:49] you say, it' s not that you' re going to talk about
[21:52] it every day, because you don' t want to be talking about it
[21:59] every day, but you also have that which your dad writes to you that
[22:02] already, although as you said, I wasn' t going to do it
[22:06] because of the attachment you have and that you' re never ready to say
[22:08] goodbye, one, at least gives you peace of mind. I mean,
[22:10] after that happens, it gives you peace that you did everything you could humanly,
[22:14] but you also fulfilled his longing in a certain right way. I think
[22:19] so, that definitely the key is that we can talk about it, even
[22:25] once in a lifetime and that we find a timely time and where in general
[22:30] there are the significant people who are going to end up making decisions. There
[22:37] is one very important thing about pre- planning that we have not talked about
[22:41] and that is the following. The last hours, days, minutes with your
[22:45] loved one are priceless. So, if you pre- planned, you'
[22:52] re not wasting those priceless hours, that is, making arrangements that you could
[23:00] have done earlier, because you' re already calm. You' re there
[23:04] to accompany your mom, your dad, your grandma, whoever she goes.
[23:10] But you are calm or quiet, no one is going to make decisions for
[23:15] you and in a hasty way, because we see very often when events occur
[23:22] in the family, sometimes you have to take care of a friend or you
[23:26] have to take care of an outsider, because the family is so devastated at
[23:30] that moment is that you can not do it another Download to just one that
[23:34] in the end has a very heavy burden. That happens and that he didn
[23:38] ' t live his time, maybe because you were solving right. In fact,
[23:41] we have, that is, we have heard testimony from people who say
[23:45] no. I didn' t really say goodbye. I couldn' t say
[23:49] goodbye. I was here whatever it is then, that' s why it
[23:53] ' s important, that is, prevention, is, I think it'
[23:59] s vital for you to feel at peace. With all this we have in
[24:03] these days something happened that someone called us and tells us Look. I don
[24:07] ' t know. Mommy said she had it all fixed. She' s
[24:11] sick, but find out if it' s true, because she' s
[24:15] never given me her papers, but she is. Did you tell us you
[24:17] had everything fixed? And when we, well go to the system, we
[24:22] look and say yes, it' s all fixed. I mean that son,
[24:26] I mean that expression of that son, like he said wow, Mommy
[24:30] didn' t and Mommy said it' s special. It' s in
[24:33] the end. I mean, my mom' s the end. And I,
[24:36] like, watered my eyes and I said pussy, I would like my
[24:38] daughter to say the same thing about me and you understand that, like even
[24:42] that relieved her because it was already done yes, and I' m going
[24:47] to tell her something before death happened to me with my loved one, Mommy
[24:49] precise command was that we' re talking about mothers. She was telling us
[24:55] my brothers is called like they look. I have this plan for us others
[25:00] I don' t know what I do, like that Mommy doesn' t
[25:03] tell me about that that why you have to talk about it now? But
[25:04] now that you say that, I mean, so do my mom, it
[25:08] ' s the end of the endings up for that, even in that,
[25:15] even in that, so what? But definitely for a person to be able
[25:18] to take the step to that planning that is necessary and that is something that
[25:22] we, as financial advisors, are recommending that they find out about this topic
[25:27] so that they can take the appropriate steps and not reach that point where we
[25:32] need to break down an end, a complete financial picture. So I can
[25:36] do that planning. Mrs Virginia, we also need to know what those expenses
[25:41] are that you have to incur how I' m paying for that. I
[25:42] really liked the subject that you mentioned to us a moment ago of a basic
[25:47] service and also commented on the specifics. Uh- huh, no one else
[25:53] told us that price. He didn' t tell us the truth. That
[25:56] ' s the initial ten percent and then you settle the dues according to what
[26:00] the person can pay depending on what you choose with a four- year cap.
[26:06] Okay, you' re going to ask her there I can accommodate the
[26:10] quota. For example, let' s say that there is a monthly fee
[26:15] x and in December I get the double salary to make a payment so very
[26:18] flexible. They' re very flexible. That is to say, this payment
[26:22] plan is fully tailored to the customer' s needs and includes several family members
[26:27] as well. No. The pre- regulo does not include several members of
[26:32] the one family, but it can be used for the first one that occurs
[26:36] and can be made milliaries at the same time. If there are families who
[26:37] do several at the same time and there are families who do the following.
[26:41] They have one, when they get out they buy the other, but if
[26:45] they don' t have many people, for example, they understand that they
[26:49] can die soon, because simply when they use one, then they start paying
[26:52] the other. Okay We' ve already seen that, that is, families
[26:56] who decide to do it So, those are the preventive plans. But let
[27:02] ' s just say what happened. You ask me a plan according to my
[27:07] budget. Also well, yes, obviously, it' s always going to
[27:11] be according to your budget. Obviously, the coffin you choose, everything will
[27:14] depend on the tau you choose, for example, in our chapel, on
[27:17] Abraham Lincoln Avenue. The wake services start at one hundred and two thousand pesos
[27:22] and you already have all the basic services covered or less the cemetery. The
[27:29] cemetery already depends on what, in which cemetery you have your space and that
[27:34] then in. For example, in Osama' s enlargement chapel we started at
[27:41] fifty- nine thousand. In the goaling and Herrera started in forty- seven,
[27:45] forty- eight. I' m not the best of the prisoners.
[27:51] They are accurate, those are the ranges, but we start from although that
[27:56] d includes the basics, what is the basic collected wake coffin and transfer to
[28:02] the cemetery. What is added to that, as I explained right now,
[28:04] is that the crowns transfers, that is, there are family going inside and
[28:11] that all those other services do add up embalming depending on whether the person wants
[28:18] to watch over his deceased for a long time. Embalming also depends a lot
[28:23] on what the person died, that is, what type of illness he had
[28:29] and how long they want to watch over him. Then those services are being
[28:33] added, because to that basic service price. But as you see, it
[28:38] ' s not how people think. Yeah, I had other mint prices.
[28:42] I know, yes, then that' s why I start with the short
[28:47] one. Now you ask me, for example, at Lincoln, how many
[28:49] people use that service. That taboo isn' t the most sold in Lincoln,
[28:53] to tell you something about it. You have to add it to him.
[28:57] That you will pay in the cemetery, that is a cemetery, a
[29:03] public cemetery that is also, for example, in the redeeming Christ a niche
[29:08] is like seventy thousand pesos or in the Savior Christ. I understand I'
[29:17] m not very clear about that. Let me see if you thought it was
[29:21] here, okay, but it' s much cheaper. And in Christ,
[29:26] in Christ the Savior, they don' t charge, they don' t
[29:33] charge burial that they do. In Christ redeemer they charge as two thousand peaks,
[29:38] three thousand and a peak of pesos more. OK, I mean,
[29:41] cemeteries pay a tax that the family also has to pay. It is a
[29:45] small tax of 500 thousand pesos depending on the type of land. So,
[29:49] the ground back, not at the moment, the right to bury ok and
[29:53] had something else to say in that hand. I mean, I' m
[30:00] trying to think about everything that' s exactly what that' s really important,
[30:04] because only then can people plan. People who are interested in starting to
[30:10] touch on this topic, Ms Virginia, can come with you and apply for
[30:15] a quote. Of course there are and there are in this quote they will
[30:19] have the different plans. Also the piece and I don' t know if
[30:23] he tells me to ted for the piece of land. Sure, that'
[30:27] s how they like it. Yeah, we also have advisors who go to
[30:33] the houses, that is, they don' t have to go. Anyone
[30:34] who wants to can call and is sent a family advisor to the house and
[30:40] does it, because all the management depending on the type of product you want
[30:45] and will want the monthly amount of the six hundred and fifty pesos, because
[30:48] it goes to a advisor of previews And if it is already a more personalized
[30:56] service, then it goes to a consultant of pre- regulation. But you
[30:57] can go home perfectly. We have digitally everything, that is, the picture
[31:03] of the coffins and everything because there are people who fear the experience of going.
[31:08] If there' s another subject we also see a lot, and we
[31:14] don' t want to name people. I' ve come out bragging if
[31:18] that' s what we' ve got sealing someone' s luck with,
[31:23] then, well, yeah, there' s a lot of prejudice. In
[31:23] the case, if you foresee, we need the five names, with the
[31:29] five people' s cards and they are recommended, well, to think naturally
[31:33] about the people who are closest truth, of age and in situation. And
[31:41] in the case of prefix, because the prefix has a landlord, but it
[31:48] does not have full use, that is to say it can be used for
[31:52] anyone. Wow, no, and they put a name on it, and
[31:55] it doesn' t mean it' s gonna be tomorrow or soon for nothing.
[31:56] If you know the amount of us, we have another product or a
[32:05] product called a pre- contract, which is when someone believes that their relative
[32:09] is dying and goes and leaves everything fixed. But that' s because the
[32:16] person is technically going to die in three days, in five days, in
[32:22] a week and they' re out there alive, because if there' s
[32:25] one thing we' re clear about is that the Lord is the owner of
[32:30] life, so you can' t, you can' t know the,
[32:37] that is when, but you can be financially prepared in sin and emotionally let
[32:44] ' s say closer to the reality that it is to live. Yes,
[32:45] we have to keep in mind that joy and sadness, life and death are
[32:50] water from the same river that is life, that is. If understanding death
[32:55] makes you live more fully and with more pleasure, that is. I don
[33:00] ' t know how now I want to take advantage of every moment of my
[33:05] life. Yes, the truth is that this trade has allowed me to appreciate
[33:09] life very much, because I see death every day, for nothing is the
[33:15] day that touches you and life is very fragile. I owe you the prices
[33:22] in detail so that you can pass it later. Yeah, yeah, we
[33:24] can pass it on a link. When we put the episode into the plan,
[33:30] it' s six hundred and fifty a month, for how long it
[33:35] is. It' s not over, because you' re done. One
[33:38] person dies and you put another name and you keep paying. You have your
[33:43] people to the same people. OK is like a subscription plan. I'
[33:46] d say there are people who pay even more in subscription. Yeah, and
[33:50] it includes five family members for five family members. I know that there are
[33:53] specific rules that I' m also going to send to you, i e,
[34:00] age limits and that, but I' m going to send it.
[34:00] Yes very important, because something we also talked about before we started the podcast
[34:07] is the issue of life insurance, which in our country is really not habit.
[34:12] It is not common for people to take out life insurance, but life
[34:15] insurance does have a large share of funeral expenses covered. That' s right.
[34:21] I also wanted to tell you that we also guide families in the sense
[34:27] that families by the type of health insurance they have and the type of life
[34:31] insurance they have, because many insurance companies, because they already include what they
[34:37] call last spending plan and there they have an amount that the person can count
[34:43] on to solve that. In such cases, most insurances have agreements with us
[34:50] and simply the bill is made to that person and the family pays some difference
[34:54] that it has to decide to take services above what is the limit covers it.
[35:06] Let' s put it that way and that' s getting more common
[35:09] every day, that is, there are many insurance companies that have their insured
[35:19] covered, with what they call last spending plan, or there are cooperatives that
[35:24] also do the same. There are companies, many companies that through preview,
[35:28] have this solved for their employees. And sometimes employees, because then they cover
[35:35] extra fees for their family members. But I mean, we' re doing
[35:42] the job. What happens is important to take, it' s going to
[35:45] take time and it has a lot to do with our culture. We too
[35:50] are taboo. But as more people acquire this education, the mouth does its
[35:55] job, because of course, because the same to financial education. Ten years
[36:01] ago, no one understood anything about cards and investments or anything. I mean,
[36:07] and they wanted to understand me yes, yes, it was a far
[36:13] issue, but now I' d say we' re still at that point
[36:17] on the subject of education of death. Yeah, I' d say so.
[36:21] There are many groups, churches, associations that are making, many mourning
[36:27] groups, that is, at least we are beginning to talk about the subject.
[36:31] Obviously, our society has also been seen, let us say, moved
[36:37] with the subject by many situations that have occurred to us since pandemic, also
[36:40] at a certain time, also many young people dying, some by suicide.
[36:49] And that kind of thing makes people move and kind of get a little closer
[36:52] to the subject. Through the Blandino Group. You guys have pet plans,
[36:59] too. Yeah, oh, I' m not gonna start crying. We
[37:04] don' t have pet plans yet for sale, but we do have the
[37:08] product, that is the service or that pets can receive. They get all
[37:15] the cremation services. Okay, and nothing' s given to him. Pets
[37:22] are part of the family totally ja i mean I told you that my dog
[37:29] is three years old. I' m going to talk about it and I
[37:30] ' m starting to cry. Yes, then, we are and we are
[37:37] seeing how more and more every day, as people turn to this service to
[37:43] give it as that dignity of whether it is the life of that little animal
[37:47] before the life so happy. Yes, of course it seems the same already
[37:50] would be the other option, i e no, yes, exactly then it
[37:53] has a range or not. You can also share it for a price.
[37:55] I understand it' s depending on the size as well. Yeah, that
[38:00] depends, but we have a standard price, but you see or don'
[38:05] t put it on that one, we put it on link. But,
[38:08] as you said, it is part of the family and at that time,
[38:12] as Kimberley says, what would be the option. Yeah, if there wasn
[38:15] ' t that service for those little animals, then well, before, you
[38:21] know, in my time we really had to bury the doggy in people'
[38:24] s backyard. Yeah, but now for the kids, it' s more
[38:29] complicated now, because they live in apartments and have no parts. Of course,
[38:32] I feel like Mascot cremation has come to fill that space. Yeah,
[38:37] definitely and applauded that for the truth. Yes, Yes, Yes, Yes,
[38:42] Doña Virginia, So I think we' ve already addressed everyone we wanted
[38:45] to address, with the part of the issues to be touched on, of
[38:50] the services that can be hired, but we, as financial advisors, if
[38:55] we want to recommend that you knock on this door, since you have the
[39:00] option of being able to knock on the door to request a quote service,
[39:07] to explain to me what it is, because here we talk maybe a little
[39:10] bit about all that you offer. But I understand that there are many other
[39:14] options that adapt to our family situation, to the number of members we have
[39:19] in the family, to our ability to save. Then I understand that it
[39:23] is a subject to be touched upon and that it is better to touch it
[39:29] with the relevant information for one to know what steps to take, because without
[39:34] the cost information that I need, of how much it would be. I
[39:36] can' t even say ok. I' m going to plan, but
[39:37] how do I do it if I don' t have all the costs that
[39:43] I have to have at hand fully and plan in life and not wait for
[39:46] the moment even to have these plans, this knowledge, start planning until when
[39:52] that time comes what we talked about expenses in the clinic, in the hospital,
[39:57] that for that I can touch my emergency fund. True, it doesn
[39:59] ' t leave me completely with my financial picture, because I can cover with
[40:05] my emergency fund the costs of the clinic and apart, I' m already
[40:09] prepared for the other expenses that come. That' s right, yeah?
[40:12] Is that so, yes? I think that after this we should do the
[40:15] now an insurance episode gives you so that people also take the full information on
[40:19] how to approach this issue totally and that they also include in the part their
[40:24] financial panorama. Yes, yes, yes, Mrs Virginia, thank you very
[40:28] much. Thank you for your guidance. I really am leaving myself with a
[40:31] lot of information that I didn' t know and that I understand that all
[40:36] the listeners, anyway, that thanks again to you who listened to us up
[40:39] here until the end, share this episode so that more people can begin to
[40:45] understand the importance of talking about this topic, of planning on this topic,
[40:49] so that we don' t get to that day that eventually comes without the
[40:57] right information, without the right planning and then feel like that stress and along
[41:01] with the pain is very ugly. Then share this episode and don' t
[41:05] stay with him just for you See you next Chao.

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