Financial benefits of pre-planning

  • Pay today’s prices
  • Maximise your pension
  • Accepted at 250 funeral homes
  • APRA-regulated
  • Your family pays no more
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What are the benefits of pre paid?

A Guardian Plan pre-paid funeral won't only give you peace of mind, it can also save you money with our lock-in price that won't change with inflation. The price depends on what you choose for your funeral. Most people spend around $6,000 - $15,000.

Lock in price

We believe everyone deserves to say goodbye with respect and dignity, regardless of their financial situation. That’s why we’re helping Australians secure today’s prices, for tomorrow’s funerals.

Flexible Payment

While your initial cost will depend on your inclusions, there are no additional fees once you've paid in full. You can pay in full or pay an initial 30% contribution, followed by monthly instalments over 36 months. The choice is yours.

Monthly instalment payment is not available for packages, full payment is required at the time of arranging your pre-paid funeral.

Simple paperwork

You can expect a straightforward and quick application process, with no extensive paperwork or health checks required.

Tailor your plan

A prepaid funeral means your loved ones won’t have to worry about making the right decision. It’s a simple way for them to say goodbye in a way that reflects you, your life and your budget.

Pension and entitlements

The Australian Government uses asset tests to determine pension entitlements for a retiree. As prepaid funerals are exempt from these tests, it’s a simple way for seniors to maintain their current age pension benefits.

Security

All payments are held securely by The Over Fifty's Guardian Friendly Society, under APRA regulation.  

Make a plan, it's a safe bet

Pre-planning your funeral gives you the opportunity to pay in advance and remove the financial burden from your loved ones when it comes time to say goodbye.

Guardian Plan allows you to agree a cost for your funeral at today’s prices, which may save you thousands. And while the price is locked down, you’re free to move. Your Guardian Plan prepaid funeral can be transferred to over 250 locations around Australia.

Save money

Agree a cost for your funeral at today’s prices and be protectd from future inflation. Plans are exempted from the asset test, so may also help maximise your pension.

See what's included
Security

All payments are held securely by The Over Fifty's Guardian Friendly Society, regulated by APRA.

See Frequently Asked Questions
Certainity
With payment plans of up to 3 years and no hidden costs, your loved ones won’t be left to pay the bill.
 
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