成立于1990年的富贵集团，是一家具有国际水准的全方位殡葬服务企业。富贵集团经历30年的光景，以经营风景墓园，提倡华社殡葬文化。在不断努力提升、改进与创新之际，提升了殡葬行业的水准，奠定了马来西亚以至全亚洲殡葬行业领导者的地位。

自成立第一家获得雪州政府批准的私营化墓园—士毛月富贵山庄，至今，富贵集团业务已横跨海内外各地：包括雪兰莪州、莎亚南、巴生、依约、槟城和大山脚、柔佛古来、昔加末、地南、吉隆坡、吉打双溪大年、霹雳州怡保、马六甲、沙巴亚庇和砂拉越诗巫。至于海外分行则包括印尼的雅加达和棉兰、泰国春武里临湖县和新加坡。

Established in 1990, Nirvana Asia Group is a world-class, full-fledged integrated bereavement care provider with over three decades of experience in memorial park operations. We play a vital role in promoting culture, most notably in funeral rites and traditions within the Malaysian Chinese community. We aspire to constantly keep improving, innovating and raising our standards of service as a leader in the industry in Malaysia and Asia as a whole.

From the first approved private memorial park in Semenyih, Selangor, Nirvana Asia Group has since expanded to Shah Alam, Klang and Ijok (Selangor), Penang Island and Bukit Mertajam (Penang), Kulai, Segamat and Tiram (Johor), Kuala Lumpur, Sungai Petani (Kedah), Ipoh (Perak), Melaka, Kota Kinabalu (Sabah) and Sibu (Sarawak). Nirvana Asia Group also currently has international presence in Jakarta and Medan (Indonesia), Ban Bueng (Thailand) and Singapore.

什么是事前规划？

事前规划（亦称事前安排、事前安排计划或预售计划）是预先把自己的身后事，通过自己的主权，在生前安排得一清二楚。它可以是殡仪保险，也可以是预付殡仪合约，这个概念看起来很新颖，但实际上，事前规划并不是什么新鲜事。

在西方国家的殡葬公司除了有即时殡葬服务外，亦提供事前规划的服务。客户会要求殡葬公司预先准备殡仪合约，约定去世后如何处理殡葬事宜，在有需要的时候让殡葬公司提供殡葬服务，让亲人后顾无忧，亲人也可在舒适宁静的环境中与逝者哀悼和道别。

在西方社会，人们为自己的死亡做好准备的想法已存在了一个世纪，尤其是死亡率高的维多利亚时代。19世纪的英国，由教堂、工会和其他协会组成的“土葬俱乐部”，俱乐部的成员大部分来自低下层阶级的家庭，他们将每周支付的费用，储存起来用作最终殡葬费用，其营运模式如同现代生前契约。

What is Pre-planning ?

To put it simply, pre-planning (sometimes also called “pre-arrangement”, “pre-arrangement planning” or “pre-need planning”) means setting up your funeral arrangements in advance before the need for these services occurs, either as a funeral insurance or pre-need funeral contract. The concept may seem novel and even morbid. However, pre-planning is not actually something new.

It is not unusual for funeral homes in western countries to carry pre-planning services aside from immediate need (or as-need) services. Customers would engage funeral homes in preparing pre-planning contracts to ensure when the time comes, these arrangements would be set in motion with little or minimal concern from the bereft family. Loved ones can mourn and say their goodbyes in relative comfort and peace.

In western societies, the idea to prepare for one’s eventual demise has been around for over a century, especially during Victorian times when mortality rates were higher and life expectancies were shorter. In 19th century Britain for instance, there existed concepts such as “Burial Clubs” which were operated by churches, trade unions and other associations. Members of burial clubs – mostly consisting families from lower classes – would pay weekly fees to help cover for eventual funeral expenses in the same way modern funeral insurances function.

事前规划或预先规划，具有以下几个好处：

 当谈及生命的终点时，很少有话题像规划身后事那样令人舒服。然而，对于我们每个人来说，这是一项重要的责任，无论年龄、健康或财务状况如何。规划身后事不仅有助于减轻家人的负担，还可以确保您的遗愿得以实现。

1.   尊重您的愿望：规划身后事是对您生命的最后阶段的尊重。您可以决定您的葬礼类型，遗体处理方式，音乐选择，甚至墓地位置。这是您展示自己独特个性和价值观的机会。

2.  减轻家人负担：想象一下，如果您没有留下明确的规划，您的亲人将需要在悲伤中作出重要决策。通过规划身后事，您可以减轻他们的情感负担，让他们在丧失您后更容易应对。

3.  财务安排： 适当的规划可以帮助您确保家人不必面对意想不到的经济压力。考虑购买适当的保险或建立遗嘱来管理财务事务。

4.  传承智慧：在规划身后事时，您可以传承家庭智慧、价值观，甚至教育下一代如何面对生死问题。这是一种珍贵的遗产。

5.  安宁和心灵平静： 知道您的身后事已妥善规划可以带来内心的宁静。这也可以减少在临终时的焦虑。

6.  制定遗嘱：编写明确的遗嘱是确保您的遗愿得以实现的关键。在遗嘱中可以包括财务、遗产分配和个人愿望。

7.  选择遗体处理方式：考虑是否选择土葬、火葬或其他遗体处理方式。每种方式都有不同的影响，包括环境、成本和文化因素。

8.  文化和宗教因素：如果您有特定的宗教或文化信仰，确保您的身后事与之一致。这可以帮助您的家人在宗教仪式或传统上找到安慰。

9.  保留重要文件：将所有重要文件（包括遗嘱、事前规划合约、保险政策、银行信息和财务记录）存放在一个安全的地方，并告知家人如何访问这些文件。

10.  通知家人：与家人讨论您的规划，确保他们了解您的愿望，并知道如何在您去世后采取行动。

11.  寻求专业帮助：与专业的殡葬业者或法律顾问合作，以确保规划的合法性和实施性。他们可以提供有关法律、税务和葬礼服务的专业建议。

12.  家庭讨论：与家人定期开放的谈话，讨论您的规划和愿望。这有助于确保大家都了解您的意愿，并可以避免家庭争端。

无论年龄如何，规划身后事都是一项关乎尊严、家人和社会责任的重要任务。不要拖延，开始思考和讨论这些问题，以确保您的愿望得以尊重，您的家人得到支持，而您的生命留下有意义的痕迹。规划身后事可能是一项令人不安的任务，但它是一项重要的责任，可以帮助您和您的家人在困难时刻找到安慰和指导。不要犹豫，从今天开始着手规划，以确保您的生命留下深远的意义和记忆，规划不单是为自己跟是为了家人，所谓留爱不留债。

Preplanning or advance planning offers several benefits:

1. Respect for Your Wishes: Preplanning for end-of-life matters is a sign of respect for your final stage of life. You can decide on the type of funeral, how your body should be handled, music selections, and even the location of your burial. This is an opportunity to showcase your unique personality and values.

2. Easing the Burden on Family: Imagine if you didn't leave clear plans; your loved ones would need to make significant decisions while grieving. By preplanning, you can lessen their emotional burden, making it easier for them to cope after your passing.

3. Financial Arrangements: Proper planning can ensure that your family doesn't face unexpected financial pressures. Consider purchasing appropriate insurance or creating a will to manage financial affairs.

4. Passing Down Wisdom: When preplanning for end-of-life matters, you can pass down family wisdom, values, and even educate the next generation on how to face life and death issues. This is a valuable legacy.

5. Peace of Mind: Knowing that your end-of-life matters are well-arranged can bring inner peace and reduce anxiety as the end approaches.

6. Creating a Will: Drafting a clear will is key to ensuring your wishes are carried out. A will can include financial matters, inheritance distribution, and personal desires.

7. **Choosing Body Disposition:** Consider whether to choose burial, cremation, or other body disposition methods. Each method has different implications, including environmental, cost, and cultural factors.

8. Cultural and Religious Factors: If you have specific religious or cultural beliefs, ensure that your end-of-life plans align with them. This can provide comfort to your family during religious ceremonies or traditions.

9. Preserving Important Documents: Store all essential documents, including wills, preplanning contracts, insurance policies, bank information, and financial records in a secure place and inform your family how to access them.

10. Informing Family: Have discussions with your family about your plans, ensuring they understand your wishes and how to act after your passing.

11. Seeking Professional Help: Collaborate with professional funeral directors or legal advisors to ensure the legality and feasibility of your plans. They can provide professional advice on legal, tax, and funeral services matters.

12. Family Discussions: Engage in regular open discussions with your family about your plans and wishes. This helps ensure that everyone understands your intentions and can prevent family disputes.

Regardless of age, preplanning for end-of-life matters is a crucial task that involves dignity, responsibility, and care for both yourself and your family. Do not delay; start thinking and discussing these matters today to ensure your wishes are respected, your family is supported, and your life leaves a meaningful legacy. Preplanning may be an unsettling task, but it's an essential responsibility that can provide comfort and guidance for you and your family in challenging times. Don't hesitate to begin planning today, as it's not just for your benefit but also for the well-being of your loved ones.