Exmouth daughter’s anger after elderly mum over-paid £1,300 into life assurance

PUBLISHED: 06:30 28 April 2018

Gill Smith (left) with her mum Maureen Dare.

Gill Smith (left) with her mum Maureen Dare.


A pensioner from Exmouth needlessly overpaid £1,300 into a life assurance plan, prompting her family to share the story to protect the elderly.

Maureen Dare’s overpayment of her Aviva policy only came to light after she died and her family were clearing her estate.

Maureen’s daughter, Gill Smith, who is also CEO at Age Concern Exmouth, said her mum wrongly thought the funds would pay for her funeral.

Gill urged families to speak to their elderly relatives ahead of illness or death, and ask those ‘difficult questions’.

She said her mum died suddenly, without discussing her funeral, financial arrangements, or will.

Gill said there was family upset when a second will was discovered.

She was angry to learn her mum paid £3,600 for an Aviva life assurance plan and received back just £2,300.

She said her mum wrongly thought the funds would cover the cost of her funeral.

Mrs Dare had been paying £15 a month since 1995 into an over-50 life assurance plan;

Her misunderstanding of the policy’s terms meant she unwittingly wasted thousands of pounds and failed to cover even a third of her funeral cost.

Gill said: “Sadly, she didn’t realise there was a cap on it and by the time it was released she had paid in over twice as much as the plan was worth. My Mum really, truly thought she was paying for her funeral; she would be mortified.

“I felt really angry, like she had been duped a bit really. She would be turning in her grave to think things had turned out the way they have.

“She thought she had dotted the Is and crossed the Ts. The message that I want to get across is that, if you want to buy a funeral, buy a funeral; don’t think you are buying a funeral – make sure.

“Because Mum was in charge of her faculties, we didn’t have power of attorney and everything became so much more difficult.

“She died unexpectedly and we couldn’t access her bank account. We had to close the account down and take in her documents.”

An Aviva spokesman said customers were ‘informed about product information’ when applying for a plan, including the risk of long life resulting in total premiums paid being greater than the amount payable on death.

Age Concern Exmouth, with McClure Solicitors, is offering free will writing for a donation.

For more information, visit Age Concern in Rolle Street, Exmouth.

Other News Stories

9 minutes ago

Time is running out for people to book their place at a charity curry evening taking place in Budleigh Salterton on Friday (November 23).

Read more
25 minutes ago

Town leaders have backed proposals to give temporary attractions on Exmouth seafront a 12-month stay of execution.

Read more
26 minutes ago

An Exmouth schoolgirl has adorned a specially made dress to pay tribute to her late Falklands hero granddad.

Read more
Yesterday, 18:51

Comedian Paddy McGuinness has presented an award for top family fun to a holiday park near Budleigh Salterton.

Read more
Yesterday, 17:17

Pupils from St Peter’s Primary School, Budleigh Salterton, marked Armistice Day with their own ‘moving’ service of Remembrance.

Read more
Yesterday, 16:41

Shopping in Exmouth’s Co-op stores can give a charity helping suicide bereaved families across Devon a vital cash boost.

Read more
Yesterday, 13:46

A knife-wielding attacker from Exmouth has been jailed for trying to stab a driver through the front window of his car during a domestic dispute in Littleham.

Read more
Yesterday, 13:19

A anti-tank rocket found in an Exmouth garden has been successfully detonated on the beach this afternoon (Tuesday, November 20).

Read more
Yesterday, 13:09

The Exmouth Journal has a pair of tickets for its readers to win in our easy-to-enter competition.

Simply fill in the form below and submit.

Read more
Yesterday, 13:09

The Exmouth Journal has a pair of tickets for its readers to win in our easy-to-enter competition.

SImply fill in the form below and submit.

Read more

Comments have been disabled on this article.

Local Weather

Heavy Showers

Heavy Showers

max temp: 9°C

min temp: 2°C

Most Read News

Useful Links

Advertise in the Paper
Submit a Story
Subscriptions Order
Photo Orders
Family notices
Google Plus
Reader Travel

Family Notices 24

Read Online

Read the Exmouth Journal e-edition E-edition

Newsletter Sign Up

Exmouth Journal twice-weekly newsletter
Sign up to receive our regular email newsletter

Our Privacy Policy

Show Job Lists

Find planning applications