Monuta wil mensen dure uitvaarten aansmeren

24 december 2010

Monuta laat in zijn reclames mensen zien die grootse plannen hebben met hun uitvaart. Een trend, benadrukt de verzekeraar. Dat is best mogelijk. Het wegvallen van kerkelijke rituelen en het toegenomen individualisme zullen invloed hebben op de uitvaarttrends. Maar Monuta adverteert om nieuwe klanten te trekken, vooral die bereid zijn hoge premies te betalen. Opvallend is dat je geen moment in beeld ziet, wat voor maandpremies er aan dit soort extravaganza hangen.

Gemma weet het al. Haar uitvaart wordt een evenement. Ze wil eerst gecremeerd worden. Daarna moet de as in drieën worden gedeeld. Ze heeft bedacht dat één van die delen de kosmos in moet. Een ander deel moet worden uitgestrooid over zee. Voor het derde deel heeft ze een heuse begrafenis in gedachten. Eentje waarbij de as in een mooie doodskist wordt gestopt en die wordt dan naar het graf gedragen door zes mannen met hoge hoeden. Na de begrafenis wil Gemma graag dat haar dierbaren een diner nuttigen, met Champagne en goed voedsel.
Het is nog net niet de begrafenis van Harry Mulisch, maar het verlangen naar grandeur is volop aanwezig. Monuta stimuleert dit soort strapatsen van ganser harte. De hele spot zegt: kom op zeg, jij bent ook belangrijk. Je hoeft echt niet voor een paar grijpstuivers onder de grond te worden gefrommeld. En je wilt toch niet dat de bezoekers vervolgens af worden gescheept met een kopje koffie en een plakje cake? Bij een begrafenis wordt jouw leven gevierd. Vergeet dat nooit.
Waarom betaalt Monuta grif geld om dergelijke reclamespotjes uit te zenden? Het antwoord is dat nieuwe klanten die bereid zijn zich voor een hoog bedrag te verzekeren ideaal zijn voor een verzekeraar. De managers van de Monuta Stichting hebben in naam geen winstdoelstelling, maar net als hun collega’s bij een verzekeraar met een winststreven, richten ze zich op zaken als groei van het premie-inkomen, toename van de cashfow, schaalvergroting, kostenverlaging en efficiëntieverbetering. Nieuwe klanten die zich tegen een hoog bedrag willen verzekeren zijn dus zeer gewild en met de spotjes moeten die worden getrokken. Het imago moet worden opgepoetst. Een uitvaartverzekering is niet langer alleen voor minvermogenden die niet van de armen willen worden begraven.

Hoge hoeden
Terug naar Gemma. Laten we zeggen dat ze 50 is en statistisch nog ruim 30 jaar voor de boeg heeft. Ze wil eerst gecremeerd worden. Dat kost met bekenden in de aula en met een ontvangstzaal zo’n 3000 euro. Daarna wil ze een derde van haar as de ruimte in. Dat kost tussen de 1000 en 5000 euro, afhankelijk van de hoeveelheid as. We maken een stelpost van 2000 euro. Ze wil ook een deel van haar as uitstrooien over zee. Dat kunnen geliefden doen op de kop van de Scheveningse pier of vanaf een zeewaardig jacht van een bekende. Die kosten zetten we op nihil. Maar Gemma wil ook een deel van haar as in een kist. Die moet worden gedragen door zes mannen met hoge hoeden. Ze zegt niets over het aantal volgwagens en de grafsteen, maar ze houdt van uitpakken. Laten we zeggen dat die begrafenis inclusief additionele kosten 4.500 euro kost. Tot slot is er die uitgebreide maaltijd. Voor 10 man? Zeg maar 1000 euro. Opgeteld is dat 10.500 euro. In dertig jaar moet je 29,10 euro per maand opzij leggen om zo’n bedrag bij elkaar te sparen. Monuta heeft natuurlijk ook allerlei kosten. Denk aan personeelskosten, kosten samenhangend met het kantoorgebouw en betalingen aan tussenpersonen. Daar staan weer inkomsten uit beleggingen tegenover. Laten we zeggen dat Gemma de rest van haar leven 35 euro per maand moet betalen voor een spectaculaire uitvaart in meerdere bedrijven. Zouden mensen nog steeds geïnspireerd raken als dat bedrag in beeld kwam, terwijl Gemma vol overtuiging haar wensen opsomde. Waarschijnlijk niet.

Conclusie
Bedrijfsmatig bekeken zou het Monuta uitstekend uitkomen als mensen zich spectaculairder zouden laten begraven. Je moet je alleen wel afvragen of je het leven niet beter kunt vieren terwijl je nog leeft. Die hoge premie kun je ook besteden aan het echte leven. De mensen die van je houden, denken niet de rest van hun leven aan je mooie begrafenis, maar aan de mooie momenten die ze tijdens het leven met je hebben gehad. Lijkt ons.

Reacties

  1. Uitvaartvoorlichting Bolink
    24 december 2010 - 02:33

    Ik vind die door u bedoelde reclame juist grandioos voorlichtend. Het toont wat er mogelijk is aan uitvaartgebruiken op dit moment. En men verzekert zich zowel bij DELA – MONUTA – YARDEN voor een basisuitvaart, en is de premie ook echt wel betaalbaar. Maar bij overlijden krijg je ook een uitvaart volgens de in de polis genoemde voorwaarden. En caviaar + champagne zit daar echt niet bij. Dat kun je als nabestaande ( organisator ) van een uitvaart dan wel bijbestellen, maar men moet het ook zelf afrekenen.
    Ik hoop U voldoende geinformeerd te hebben. Mvg: Albert Bolink.

  2. Herman
    24 december 2010 - 23:02

    Hele mooie conclusie.
    Een begrafenis, zoals in de commercial, lijkt op een standbeeld
    voor je zelf oprichten. En ik denk dat rouwende mensen geen trek hebben in champagne en een feestmaal.

    Groet, Herman

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