Pre-loss planning is the act of preparing emotionally, practically and spiritually for the death of someone you love. It could also be you planning for your own death, as an X user recently displayed here.
Pre-loss planning isn't just about wills and funeral costs. It’s also about conversations, values, memories, rituals and dignity. It is about you deciding how you want to be sent off when the time finally comes.
Though it might sound morbid at first, pre-loss planning is actually a gift. A soft landing; it's a way to grieve with less chaos and more clarity. Just imagine an organised funeral where everyone knows what is expected of them and (hear me out africans) no one crosses their line, because you already outlined how you wanted it to be. It's saying goodbye with intention instead of panic.
One word: taboo. Two words actually could summarise it plenty well; taboo and superstition. Let's dive into why most people wouldn't do it, let alone think about it.
One of the main reasons people avoid pre-loss planning is the belief that discussing death or planning for it somehow "invites" it to happen sooner. People often think that by making preparations, they're somehow hastening the inevitable, even though that's not the case. The reality is that planning doesn’t change when someone will pass. If anything, it helps ease the whole process when it finally happens. A famous example of an African that planned his own funeral, even going ahead to prepare his resting place by digging the hole he would be buried in is Martin shikuku. To be honest, this article would be incomplete without mentioning him. An African legend, a case study for years to come. In a controversial move that left tongues wagging and jaws dropping to the floor, Martin did what everyone thought was insane at the time, proving to be years ahead of his time. Way ahead because that was in the 90’s and to date not many people have the courage to do what he did.
Death is, by nature, a deeply emotional subject. People often avoid it because thinking about the end of a life - especially someone they love - brings up a lot of uncomfortable feelings like fear, sadness and helplessness. It's the finality that comes with death that makes facing these emotions head-on so difficult, so it’s easier to push them aside. But that avoidance can lead to a lot of regret and confusion when the time does come.
A common psychological defense mechanism is denial — the belief that we are somehow invincible or that "this won't happen to me anytime soon." It’s easy to think that we have all the time in the world, but the truth is, life is unpredictable. Pre-loss planning isn’t just for the elderly or terminally ill; it’s for anyone who loves someone or has loved ones who depend on them.
Planning for someone’s death, or even your own can feel like you're giving up hope on them - almost like you're expecting them to die. For some, this feels like a betrayal. It’s hard to reconcile the idea of preparing for death with the deep desire to believe that everything will be fine and that death is far off. But in truth, planning is not about giving up; it’s about showing care and making the eventual goodbye as gentle and meaningful as possible.
A lot of people simply don’t know where to start. The logistics of pre-loss planning - writing a will, figuring out burial preferences or organizing funeral details can feel overwhelming. The emotional aspects of planning, like discussing final wishes or legacy may also seem like too much to handle with most people not even knowing how to begin those conversations.
In some cultures and religions, talking about death or preparing for it in a practical way is considered disrespectful or taboo. The belief that death should be left to fate or that it’s wrong to plan ahead is still quite prevalent in some, if not most communities. These beliefs can make people hesitant to even broach the subject of pre-loss planning, let alone follow through with it.
When pre-loss planning involves family discussions, it can often uncover hidden tensions or differing views about what a loved one would want. For instance, siblings might disagree on what’s best for aging parents or what funeral rituals should be followed. The fear of conflict or causing emotional pain can prevent some people from initiating these tough conversations, even if they know it’s necessary. The elephant in the room that is usually WILL writing will also bring about rise in tempratures.
For some, there’s the assumption that pre-loss planning is a complicated and expensive process. Think lawyers, financial advisors and a lot of paperwork. While those things can be helpful, pre-loss planning can also be done in simple, meaningful ways that don’t involve a huge cost; like writing down wishes, discussing final thoughts, or creating a memory book.
What people should understand is that it’s not about "giving up" but about creating space for love and closure.
If a family member or close friend has been diagnosed with a terminal illness, pre-loss planning becomes essential. It's not just about managing the medical and legal aspects; it’s about creating emotional space for difficult conversations. Families can discuss end-of-life wishes, caregiving roles and how to handle the funeral, burial and other final rituals. Pre-loss planning can help minimize confusion or conflict at a time when emotions are running high.
Why it matters: When you're already grieving, the last thing you want is to be caught up in decision-making or financial strain. Pre-planning helps ensure everyone is on the same page and that wishes are respected.
As parents age, the roles can shift. Adult children might become caregivers or guardians and it's important to be prepared for the eventuality of a parent’s death. Pre-loss planning involves understanding your parents' desires, from funeral arrangements to how they want to be remembered, as well as practical matters like finances, caregiving and health care directives.
Why it matters: Discussing these topics before it’s too late ensures that you can provide your parents with the support they need while avoiding last-minute decisions under pressure when you're already emotionally overwhelmed.
Dementia and other cognitive illnesses are unpredictable and caregivers often bear the emotional and physical weight of supporting a loved one through progressive memory loss and eventual incapacity. Pre-loss planning in this case, means having a conversation about what the person would want when they can no longer make decisions for themselves. It could involve setting up a living will, a durable power of attorney and choosing someone to make healthcare decisions on their behalf.
Why it matters: People with dementia may no longer be able to communicate their wishes clearly, but having had the conversation earlier ensures that their values, desires, and preferences are honored, especially when it comes to end-of-life decisions.
Parents with young children should think about pre-loss planning to ensure that, in the event of their unexpected death, their children will be cared for by someone they trust. This includes legally appointing guardians for minor children as well as planning for their education, emotional well-being and financial support.
Why it matters: Without a clear guardianship plan, courts will decide who raises your children, often based on the legal system's framework, not necessarily what you would’ve wanted. Pre-loss planning guarantees that your children’s future is protected by someone who knows and loves them.
You don’t need to be in a life-threatening situation to benefit from pre-loss planning. While it may seem like something reserved for the elderly or the ill, the truth is, none of us knows when our time will come. Young and healthy people should still consider creating a will, organizing important documents and thinking about how they want their life (and legacy) to be remembered.
Why it matters: Life is unpredictable. Pre-loss planning does not invite death if anything it ensures your loved ones are not left scrambling during an already difficult time. It’s a gift to your future self and those who may need to make difficult decisions on your behalf.
If there’s potential for conflict or confusion after your death, say, between children, ex-spouses or other family members, pre-loss planning is especially critical. Polygamous families especially are top on that list here. Planning for the division of assets, specifying care instructions for pets and leaving clear instructions about end-of-life care and funeral preferences can minimize disputes and ensure your wishes are honored.
Why it matters: Clear communication and legally-binding plans help remove the ambiguity that often fuels family drama during an already emotional time. It can ease the tension that might otherwise arise and give your loved ones the tools they need to move forward with dignity.
Pre-loss planning is not just about managing practical matters. It’s about leaving behind a legacy that reflects your values, your love and beliefs. You don't have to be a prominent person in society, a rich man or even a politician. Everybody deserves to leave a legacy. Whether it’s passing on wisdom through letters, creating a family history or memoir, or choosing a charitable cause to support in your name, pre-loss planning gives you the opportunity to consciously shape how you are remembered.
Why it matters: Like I said previously, a meaningful legacy isn’t just about financial wealth, it’s about the impact you’ve made, the relationships you’ve nurtured and the memories you leave behind. Pre-loss planning allows you to ensure that this legacy is communicated clearly even after you’re gone.
Professionals in caregiving roles, such as nurses, home health aides, or social workers, may not always think of pre-loss planning for themselves, but it’s just as important. These individuals often have intimate knowledge of what it takes to care for someone at the end of life and they may want to make sure their own end-of-life wishes are clearly communicated, so their families don’t face the same confusion they help others navigate.
Why it matters: As someone who supports others through loss and illness, it’s essential to have your own plans in place. It helps you manage your own peace of mind and ensures you’re not leaving emotional or logistical burdens on your family when they may already be overwhelmed.
It is not about drafting a will or choosing a funeral home. It’s more about preparing for the eventual loss in a holistic, thoughtful way that honors the emotional, practical and spiritual dimensions of both life and death. Think of it as a toolkit for easing the difficult moments before, during and after a loved one’s passing.
Here’s a comprehensive look at what pre-loss planning actually involves:
This part focuses on preparing emotionally for both you and your loved ones. It's about ensuring that the emotional aspects of loss are considered and addressed before crisis hits.
This is the more logistical side of pre-loss planning. It involves preparing the necessary legal and financial documents, ensuring that everything is organized and making sure your family doesn’t have to scramble to figure things out when you’re no longer around.
The spiritual aspect of pre-loss planning addresses the meaning and rituals that accompany death, especially in a cultural or religious context. If you or your loved ones have specific spiritual or cultural beliefs, pre-loss planning can help ensure those are respected.
Every culture has different mourning practices and these practices can be important not only for the person who has passed on but for the grieving family as well. It could be the duration of the mourning period, specific rites performed at the time of death, or even how one’s body is treated. This is an area that’s essential to plan for, especially in a multicultural or diverse family.
One often-overlooked part of pre-loss planning is how to communicate key decisions to your family or loved ones. While it may feel difficult, clear communication about your wishes is essential in making the process smoother for those left behind.
Here's what to look into.
To make things even more tangible, a pre-loss checklist can be a valuable resource for individuals or families to track their plans. This checklist might include:
Legacy letters or video messages
Avoiding pre-loss planning may seem like a way to avoid confronting tough emotions or facing uncomfortable decisions, but the reality is that not planning ahead can lead to a lot of unnecessary pain, stress, and confusion for both you and your loved ones. The aftermath of an unexpected loss can be chaotic and without clear guidance, your family and friends may find themselves struggling with decisions that could’ve been made earlier.
Here’s what happens when you skip pre-loss planning:
Family brawls, legal wars and even physical fights - among other things. When a loved one passes away without clear instructions, family members are often left to guess what the deceased would have wanted. This uncertainty can lead to emotional conflict and stress.
Imagine two siblings trying to decide what kind of funeral their mother would have wanted. One sibling thinks she would have wanted a traditional religious service, while the other believes she would have preferred a more casual celebration of life. Without any prior conversation, the family is stuck in a difficult position and grief is compounded by decision-making stress.
Without pre-loss planning, family members may be left scrambling to pay for unexpected funeral costs or manage finances that weren’t properly organized. Funeral expenses, estate taxes and ongoing bills can be overwhelming, especially if the deceased did not have a clear will or financial documents in place.
If someone passes away without a will, the court may step in to decide how to divide their estate, which can take months or even years. This not only delays financial resolution but can also create costly legal battles between family members. Similarly, if debts weren’t clearly outlined, surviving family members might be left to deal with unsettled financial obligations.
In the absence of pre-planned instructions, disputes over inheritance, guardianship and healthcare can easily arise. This is especially common in families with complex dynamics, multiple children, or estranged relationships. Family members might contest wills, question the deceased’s wishes, or argue over what’s “fair,” leading to prolonged legal disputes and emotional fallout. An example is when parents haven’t made it clear who should be the guardian of their children, there may be a lengthy court process where relatives vie for custody. Siblings or relatives may feel entitled to specific assets, leading to resentment and conflict that could take years to resolve.
When someone dies unexpectedly without clear directives, surviving family members may have to make difficult decisions on their behalf — often at the most emotionally challenging moment in their lives. Whether it’s deciding what kind of care someone should receive in their final days or making quick decisions about burial, these decisions can cause profound emotional strain.
For instance a spouse might have to decide whether to place a partner on life support if there’s no clear directive on what the partner would have wanted. In the absence of pre-planning, family members may end up second-guessing their choices, leading to guilt or feelings of failure.
If someone dies without a will or trust, the process of probate (the legal process through which a person’s estate is administered) can be long, costly and complicated. Probate can take months or even years to resolve, during which time surviving family members may not have access to crucial assets or be able to settle outstanding matters.
For example, without a living trust or will, the court system has to oversee the division of assets, which often involves legal fees, court appearances and delays in distributing property. Survivors might also struggle with gaining access to bank accounts or paying bills if the deceased didn’t have a designated person to handle those responsibilities.
Without pre-loss planning, personal wishes — whether related to legacy, final goodbyes or memorialization may go unfulfilled. If the deceased didn’t leave clear instructions on how they wanted to be remembered or what kind of memorial service they wanted, their family may struggle to honor those desires.
Imagine a person who wanted their funeral to be a celebration of life, with upbeat music and a casual atmosphere but because this wasn’t discussed, the family opts for a somber traditional ceremony. The result is that the deceased’s wishes are not honored and those attending the service may feel disconnected or confused about what they would have preferred.
If you have dependents, aging parents, or loved ones who require care, failing to plan ahead can place a significant burden on the caregiver. Without clear instructions on who will take care of dependents, pets or unfinished business, the person left in charge might feel overwhelmed by the responsibility.
Imagine a scenario where a parent with young children passes away suddenly and there’s no designated guardian. the surviving parent or family members must go through a legal process to appoint someone. Meanwhile, other responsibilities like paying bills or arranging care might fall on the surviving spouse or relatives who are grieving, creating additional emotional and logistical stress.
The short answer? Sooner than you think. While many people believe pre-loss planning is only for those with a terminal illness or the elderly, the reality is that life is unpredictable and it’s wise to start planning well before a crisis forces you to act. In fact, early planning gives you more control, clarity, and peace of mind, not just for the end of life, but for the present as well.
It’s never too early to start thinking about your own end-of-life wishes, even if you’re in great health. Many people wait until they’re older or faced with illness, but starting early ensures that you’ve laid a foundation that will support you (and your family) no matter what life throws at you.
If you have children or dependents (including pets), pre-loss planning becomes essential. You’ll need to designate guardians for minor children, make financial provisions for their care and decide how to manage their upbringing in the event of your untimely death.
If you have aging parents or loved ones who may eventually require medical care, long-term assistance, or who are nearing the end of their lives, pre-loss planning for them is crucial and so is planning for yourself to assist them.
If you or a loved one has received a terminal diagnosis or is dealing with a progressive condition like dementia, Parkinson’s, or Alzheimer’s, this is the time to start pre-loss planning - if you haven’t already.
If you’re currently a caregiver for someone (whether a spouse, parent, child, or other loved one), it’s critical to start pre-loss planning for them and also for yourself.
Whenever you experience a major life change, it’s a good time to revisit your pre-loss plans. This could be anything from getting married, having children, starting a business, or going through a divorce.
If you’ve reached a point where you’re reflecting on your life’s meaning and how you want to be remembered, it’s a natural time to start thinking about your legacy and your end-of-life plans.
As you begin to think more seriously about your health and financial independence, pre-loss planning becomes part of the bigger picture. It’s not just about planning for death but also ensuring that your financial health and medical decisions are managed responsibly.
If you have assets, property, or investments, it’s important to ensure they are organized in a way that protects your wealth and supports your family.
You don't need to be perfect while having this conversation. You just have to be brave.
Conversations starters could be;
The primary difference between pre-loss planning and post-loss actions lies in the timing and the emotional clarity they offer. Pre-loss planning is about preparing before a death occurs, allowing you to make critical decisions, set intentions and express your wishes while you or your loved one can still guide the process. It includes legal documents like wills, health directives, and end-of-life preferences, as well as emotional conversations about legacy and rituals. Post-loss, on the other hand, refers to the period after someone’s death, when families are often thrust into making immediate decisions under emotional stress. This phase involves managing grief while handling logistics such as funeral arrangements, probate and inheritance issues - all of which can be far more overwhelming without the groundwork laid during pre-loss planning. While post-loss actions are inevitable, pre-loss planning empowers families to navigate loss with intention, reducing confusion, conflict and unnecessary stress during an already difficult time.
Remember, Love Isn’t Just What You Feel. It’s What You Prepare.
We plan weddings, birthdays, retirements and anniversaries. Why is it so hard preparing for the one moment we know is coming?
Planning shouldn't be feared. It’s about care. Respect. It's Love in action.
These small rituals can bring peace long before the moment of loss.
The truth is, Planning won’t take away the grief, but it will reduce the chaos.
You’ll spend less time chasing passwords and more time holding hands.
You’ll make fewer frantic decisions and more meaningful ones.
But most importantly you'll remember them clearly, not just through the fog of urgency.
You can’t stop the goodbye, but you can soften it and that alone would go a long way.
Plan ahead, not because you’re ready for the end but because you want to meet it with love, as opposed to chaos and bitterness.
Losing someone you love changes everything. In the midst of grief, it's easy to forget to care for your own well-being. That’s why we’ve put together a few simple, nourishing recipes—to support your body while your heart heals. Join our weekly grief care newsletter for comforting recipes, gentle guidance, and reminders that healing takes time — and you don’t have to go through it alone
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