Sydney | Central Coast
Arranging a prepaid funeral is becoming an increasingly popular option due to the many benefits that it provides.
- Pre-plan your own funeral
Relieve your family of the burden of arranging your funeral while also creating the send-off that suits your preferences.
- Pre-plan a loved-one’s funeral
When the time comes, you’ll be glad you don’t have to worry about hurriedly getting the family to agree to all the funeral details. It’s sensible to preplan it when you’re in a better emotional state.
How does it work?
A prepaid funeral is one where all the arrangements are planned before the death and the costs are calculated at today’s prices, and payment is made up front (or in instalments). Regardless of how far in the future the funeral actually takes, there will be no additional costs. The pre-payment is invested with a government regulated managed funeral fund who will pay it to the funeral director after the funeral. The whole arrangement is covered by a legal contract that complies with NSW Funeral Funds Act, and the funds cannot be accessed until the funeral is provided.
Can I preplan a funeral but not prepay?
Yes, definitely! You can speak with Deborah, our funeral director, who will take you through the process of preplanning a funeral and she will record the arrangements and store them for when they are needed. You will also receive a copy, so you can give it to your family, or have them stored with your will, if you wish.
Do you charge for preplanning a funeral?
No, it’s free. We’re happy to help you plan the funeral.
Can I prepay funeral costs instalments?
Yes, you can pay for a pre-paid Funeral may be made in one lump sum or through a payment plan.
How will pre-paying for a funeral affect pension entitlements?
No it won’t affect your pension. Pre-paying for a funeral is treated like any other expense, such as buying new furniture, even though the money will actually be placed in an investment with a 3rd party managed funeral fund.
Prepaying for your funeral is better than investing the money yourself because, if you were to invest that money yourself, that investment would count towards your asset test, and thus potentially reduce your pension, plus you would have to pay taxes on the yearly interest earned by the investment. You don’t incur any of those costs when you prepay for your own funeral.
Reasons for pre planning your own funeral
1. To ease the burden on your family.
Arranging a funeral can cause tensions and disagreements, even among the most harmonious families. If your family doesn’t know what funeral arrangements you’d like, they will have to make these decisions at a difficult time: burial or cremation? Which coffin? How much to spend?
You can save them all the stress when you prearrange and pre pay for your own funeral.
2. To take financial responsibility for your funeral.
It’s impossible to know what financial stresses your family may already be under at the time of your passing. And even if you are leaving them money in your will, they may not be able to access it quickly enough to pay for your funeral.
3. To make the funeral as meaningful as possible.
A funeral is an important part of the grieving process for a family, providing a sense of closure. But when arranging a funeral in a short time, the family often doesn’t have time to add the extra little touches that could have personalized it and made it even more emotionally healing. Touches such as your favourite music or a poem or scripture to be read, or special items to be placed on the coffin.
4. You want your final wishes to be followed.
If you have specific preferences then arranging your own prepaid funeral is the best way to communicate your preferences to your family.
5. Peace of mind
There is something to be said for the comfort of knowing that your affairs are in order.
you lock in the current price,
and ensure your family won’t experience financial stress.
What is involved in pre-planning a funeral?
- You will need to provide details that need to be placed on the Death Certificate, such as Date of birth, names and occupations of parents, marriage details, children names and dates of birth.
- Do you want to be cremated or buried?
If cremated, do you want your ashes buried in a memorial garden or cemetery, or scattered somewhere?
If buried, at which cemetery?
- Do you have any special requirements for your coffin, such as type of material or cost?
- Do you want your organs to be donated, if possible?
- What should happen to your body if you die overseas?
- What type of funeral service do you want:
- Single service – at a chapel, church or by the graveside.
- Dual service – first at a church or chapel, and then at the graveside or crematorium.
- Memorial service – takes place after the body has been buried or cremated.
- Where do you want the funeral service to be held: a chapel, church, private home, public space such as a park or beach, or by the graveside?
- Would you like a wake and where should it be held?
- Make a list of who you would like to be notified of your death and invited to your funeral. There may be people whom your family don’t know or don’t have contact details for.
- Would you like a notice placed in newspapers?
- Do you have any particular preferences for flowers at your ceremony or on the coffin?
- Do you have any preferences for who you’d like to lead the funeral ceremony: a celebrant, clergy, family member or friend?
- Would you like any items to be cremated or buried with you?
- Would you like a headstone or memorial plaque and what you would like written on it?
Frequently Asked Questions
About Prepaid Funerals
We felt from the first minutes we met you last Saturday that we had chosen the right person and company to take us through the painful experience of arranging a funeral for Russ. You made the process uncomplicated and effortless and delivered a flawless, beautiful funeral to honour his life.
I can’t thank you enough for your calm and caring assistance, and for the attention that was given to every detail.
It helped us achieve a final farewell that we felt was perfect for the beloved man who had such a special place in our lives.
Lesya and I would like to express in how appreciative we are of you for taking care of us and our little buss in a difficult time. Your compassion and generosity of spirit was something we will never forget. We are reassured and feel more at ease now that our little one is resting peacefully and will live on forever in our hearts. Spending some time with Max, Lesya and I following the burial was also very much appreciated.
We are fairly close and small family, and so our desire for my brother’s funeral was to have it handled by a small family owned company, and not by a franchise of a company that owned a string of funeral homes around Sydney. We could not have been happier with your service. We met Debbie and were comfortable with her approach and experience. Debbie was very genuine and took great pride and understanding in carrying out the family’s wishes. We could not have been in better hands in the days leading up to the service and on the day.
Dear Debbie, the past two weeks have been the saddest of my life. I will never be forgot your gentle empathy. You looked after Oliver as if he was one of your own family. As well as your kindness, the organisational aspect of his funeral was conducted seamlessly and with great dignity.
Thank you and your colleagues for reducing the stress of this sorrowful and painful time. You enabled us to focus on closure and allowed Jackie and Andrew to say their final farewells to Oliver just as they desired - with great love and dignity.