IMMORTAL

Every one of us feels that, we are immortals and we don't think about the lives of dear ones in our absence. Every day we are witnessing that many people around us are dying with one or another reason like accidents, cardiac arrests and so on... but we never thought about their families. We can't imagine the lives of families depending upon single person income, if that earning person dies all of a sudden. Being a family head we ensure all the comforts of our family members in our presence, but who will ensure their wellness in our absence?

We plan majority of things in our lives, education, career, marriage, house... except death. As we are not Immortals, we should plan for our family members wellbeing when we are alive and become immortal in the hearts of our family members.

Let us discuss the steps to become immortal...

• Family head arrange everything at the door steps of family members, so that they are totally depend on Family head and don't have any exposure about the world. In many households, one person manages financial matters, for example, paying the mortgage, insurance premiums and utilities. If that person dies or is incapacitated, the others may not know where to begin in taking over this responsibility. Be sure your financial information is shared and whatever family members are capable of doing to be assigned to them it may be bringing groceries', monthly online bill payments, ticket reservations, etc. Family head should prepare the next person (wife or children) in his family who can shoulder the responsibilities in all respects of spending money.
• Explain to your family what will happen to them after you are gone. Tell them, for example, about your benefits and entitlements and make sure they understand which ones will be available to them and which will cease upon your death. Answer their questions and, if you do not have the answers, try to find them. After the talk with your family, write down what was decided in a "letter of instruction". Keep one Handbook for action in cases of death in service and update it regularly whenever changes happens (New insurance policies, Benefits added in your job, etc.)
• Regarding Bank Accounts and deposits, in case of a joint account, the surviving spouse can continue to draw out funds provided that only a single signature is required. If the joint account was set up requiring the signature of both partners to withdraw funds, then the account will be blocked in the event of death of one of the partners. It is possible to give 'in case of death' instructions to the bank, indicating immediate actions (such as transfers of cash, etc.) to be taken in event of death. Always declare the nominee for all your Bank accounts, deposits and gold loans. These small precautions will help a lot your family members.
• Families with children may wish to consider to have written instructions regarding the care of the children (designate a guardian, etc.) in case that both parents are killed. It is possible to keep these instructions on the staff member's official status file together with the Designation of Beneficiary form. These instructions should be kept up-to-date.
• The provisions for survivors under intestacy laws may not always correspond to the staff member's wishes, particularly as regards surviving spouses and children. The only way to ensure that the staff member's wishes are followed is to have a valid will issued (with the help of a competent lawyer or notary). A will should normally include the following: 1. The name of the person or persons you wish to be the representative of your estate and the guardian of your children. 2. A list of your assets and the name in which asset is held, as well as the name of the people who will receive your assets. 3. It is also very important to keep a copy of the will in an easily accessible place and not in a safe deposit box which will be sealed at the time of death.
• We observe that after death of a person, few people approach the family members for payment of dues, it can be fake also. So always record all your loans borrowed and lent. It will be useful to your family members to face the strangers and to collect the hand loans extended.

We all struggle a lot for well being and up bringing of our family. It's our responsibility to take care of the above points when we are alive. It makes you happy in your last minute of life.

"Be IMMORTAL in hearts of your family"