Nothing can come more unexpected and cause such drastic changes in our lives   than the sudden loss of a loved one.  It is therefore not surprising that "Death"    is such  an unpleasant  subject  for all of us.  Yet we all have to deal with it at    some time or other and  the trauma  when trying  to come  to terms with  the   facts of life will be drastically increased if there are insufficient funds available to you or your dependants to cover burial costs and other expenses.