Confronted by the reality that diaspora death is an age old social
ill that has haunted diaspora communities from time immemorial, one
wonders why it continues to be a topical nightmare today. Civilisation
is achieved when a people craft a common solution for their common
good.
Serve for animals in fairy tales which, when faced with a drought
would come together and dig wells, animals in the bushes normally
starve and dehydrate to death but human beings find solutions – that
is, civilisation.
As a financial adviser one day I engaged a professional Diasporan in
London about the need for end of life expenses cover and he made a
remark that has stuck with me. Accepting that it was a real concern and
need, he said “… I don’t want to end up on GoFundMe, I would like to
cover myself and family but it really feels like digging my own
grave…” There you are, in most conservative societies death is a taboo
that people would rather completely avoid until there is no option.
This coffin prank sums it all, people fear anything to do with death:
There is no more certainty in our lives than the fact that every
living thing, including animals and trees in the wildernesses, will
come to pass. As the old adage goes; we begin to die the day we are
born. So how does such a certainty become a taboo? Do we fear death or
we fear the mystery of the post-death uncertainty? Is it not the fear
of death that manifests this notional mind-set or belief that death is
a taboo?
Whatever the fear, lets confront death as a realty that brings end
of life expenses we all need to plan for. Accept that planning is
nothing but bringing the future into the present so that one deals with
it whilst you can.
Planning for one’s end of life expenses does not necessarily mean
you are accepting death and therefore invariably fast-forwarding it.
Neither does avoidance of the ‘taboo’ postpone the inevitable. Planning
for your end of life guarantees a dignified send-off and gives family
a chance to celebrate your life. Unfortunately, failure to plan for
final expenses does have far-reaching consequences and will not buy
anyone a second more, in terms of your lifespan.
By default, many responsible Diasporans become cash-cows for our
clans, extended families, back home. I believe this is familiar with
many Diasporans that, sometimes, you get to know of a bereavement or
terminal illness back home before many relatives who actually live in
Zimbabwe.
I remember one day telling my sister back home about a death in the
family which I was informed of and word had not yet reached her in
Harare. For the financial support one can offer, Diasprans are often
sent the SOS news immediately. Expectedly, the sooner one is informed
the quicker the financial intervention. As they say, ‘Awudzwa here? /
Selimtshelile na?’ meaning has s/he been told of the mishap.
If you call the Diasporans wherever they may be the ‘Awudzwa here /
Selimtshelile na’ group, you begin to see how diaspora death remains a
bereaved family’s nightmare financially. Diaspora death, especially
if it involves body repatriation, tends to be very expensive because
suddenly the bereaved family has to have cash resources to cover costs
of two prolonged funeral vigils back home and in diaspora, funeral
church services, diaspora family travel, body repatriation, body
clearance at the port of entry, transport and the burial itself. Not
forgetting the cost of shipping the personal effects of the deceased
and the ensuing probate process.
And, as the deceased family is bogged down with funeral, there is
also the opportunity cost of not being able to pick shifts/jobs,
meaning a double cost financially. This leaves a lot of families with
no option but to literally beg from the wider community. Remember the
only free funeral that you can be guaranteed of is a paupers’ burial.
The day one has to be buried by little contributions from strangers on
GoFundMe that almost equates to paupers’ burial. Why should a stranger
contribute for your funeral?
The problem we have as the ‘Awudzwa here / Selimtshelile na’ group
is that, as cash-cows, for our clans, there will be no-one to tell for
the sake of unlocking financial intervention. As ‘Awudzwa here’, you
therefore have to have a plan for your end of life expenses.
Unfortunately, many of us choose to neglect this issue for the fear of
accepting that one would die at some point.
I saw a lot of offside comments on an article published recently by NewZimbabwe.com entitled Diasporans: Where will your bones be buried? by Jeff Sango of Diaspora Funeral Cash Plan.
Comments like ‘hapana nyika isina rinda’ meaning one can be buried
anywhere in the world. Accepting that to be true, what people may be
missing is that whether you bury abroad or repatriate, you can’t
escape end of life expenses.
Besides, a funeral is not just about getting rid of the human
remains; it’s more about giving the deceased a dignified send-off.
It’s about giving your surviving loved ones a closure, and a chance to
celebrate your life. Think of Mohammed Ali’s funeral. Every human
being deserves a dignified send-off, irrespective of age, race, creed,
colour, sex, national origin, religion, sexual orientation, gender
identity, disability, marital status or socioeconomic status.
So whether you get buried abroad, repatriated to your roots or are
cremated, it’s all expenses that you need to confront whilst you can
and there is no better way to prepare for such than a funeral cash
plan. In any case, there is no better way to deal with any expenses
than to have cash-in-hand. Cash knows no border and that makes the
cover a worldwide protection without borders. Cash cover enables one to
cover all cost aspects of the funeral and of course the flexibility
to either repatriate or burial abroad or even cremation if it comes to
that.
Forget about the nonsensical belief that if you start to plan about
death it crystallises into realty. We need to accept that death is a
reality that you cannot escape. Refusal to accept that death as an
inevitable certainty only crystallises in planning failure and its
denial, period. But the question remains, why do Diasporans fail to
plan for their end of life expenses? What are the excuses? In my next
blog I will tackle the common excuses and challenge readers to be
honest enough to say which one is their excuse.
For now, my simple advice is that if you are not covered just get
covered. If you are covered, review and make sure its correct and
adequate cover for the intended purpose; end of life expenses.
Artcile taken from NewZimbabwe.com: Tose Gava is a UK based financial adviser and writes in his personal capacity.
