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Our prepaid funeral services

Let’s start with the obvious question for most people: why should I prepay for my funeral? With so many other things to think about in everyday life, why would I want to pay for something that is hopefully a very long way off. There are sound reasons why prepaid funeral plans are a great idea but at the heart of it are two things: care and cost. Prepaying helps relieve any emotional stress from your family – at a time when they might be least able to cope with it. You are also locking in your funeral costs at today’s price – making prepaying a sound financial investment as well. As well as that you also get to plan things your way and shape the celebration of your life just how you’d want it to be. And that’s something you wouldn’t normally be able to do if the unexpected happens.

Above all else try not to make the subject of dying and funerals a taboo subject. Whilst it might be slightly uncomfortable to begin with, opening up a dialogue with family members about their final wishes creates an opportunity to understand what their preferences are for both medical care and funeral arrangements. It can be hugely comforting to know their exact intentions ahead of time so that everyone has the chance to prepare.

The benefits of prepaid funeral plans

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    Cost efficiency – you pay today's price and beat rising costs

    With a prepaid funeral plan you pay today's price so you avoid inflation and rising premiums. Pay in instalments or upfront, whatever works for you. A prepaid funeral is also exempt from the Centrelink assets test so it can help you qualify for a pension or part pension.

    On average over the past 10 years there has been an annual 6% cost increase across both cremations and burials for the whole of Australia. With a prepaid funeral plan, you avoid that price rise.

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    No extra payments

    With a prepaid funeral you only pay for the funeral you want. No additional costs and no premiums to pay for you or your family. The cost will vary depending on the inclusions but once settled there’s no more to pay unless additional services outside of those included in our contract are required.

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    Remove the worry today, leave peace of mind for tomorrow

    When the time comes it's planned and paid for, family and friends won't have to deal with arrangement details or financial concerns, as everything is taken care of.

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    It’s easy to set up

    There is no extensive paperwork or the need for intrusive health checks. We'll walk you through the quick and simple process of preplanning your funeral.

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    Tailor your plan – saying goodbye the way you want

    Prepaying your funeral service means you get your funeral service, your way.

Our prepaid funerals are prepared through the Funeral Plan Management (FPM) which is a part of the Lifeplan Funds Management Group. As one of the industries largest investment groups this ensures your funds are safe and secure until they are needed.

Frequently asked questions about prepaid funerals

  • How much money can I invest?

    The amount of money is determined by the costs associated with your arrangements. So, the cost of your specified funeral determines the amount you need to invest. There is no limit.

  • What happens if Southern Cross Funeral Directors ceases to operate?

    The funds invested are held independently of the Funeral Director in a capital guaranteed investment and will still be available to meet funeral costs regardless of Southern Cross Funeral Directors’ position. In the unlikely event that we were no longer trading, you would be able to simply select an alternative Funeral Director.

  • Who keeps a record of these arrangements?

    A copy of your contract, which details your arrangements at the fixed price, is held by both you and Southern Cross Funeral Directors. It is important that you communicate to your family and friends that you have made these arrangements in advance.

  • How is my prepaid funeral plan carried out?

    A family member or personal representative simply contacts Southern Cross Funeral Directors and the arrangements are carried out as detailed in your contract.

  • I would like to arrange a memorial. Can my prepaid funeral plan include this?

    Yes. A memorial can also be pre-arranged. The type of memorial available varies between cemeteries and crematoria and this is an aspect that you can research and determine when setting up your prepaid plan.

  • What if I change residence?

    Generally, your contract will specify the terms regarding interstate transfers and Southern Cross Funeral Directors can help ensure that any new arrangements suit both you and your family.

  • What if I change my mind about a prepaid funeral plan?

    A prepaid funeral plan is a legally binding contract so you need to make sure you understand the terms and conditions before you sign. A prepaid funeral plan does include a ‘cooling-off’ period. It is during this time that you can cancel your contract and receive a refund of your investment. Please contact us for more specific details.

  • Can I alter the terms of my plan?

    Yes, however, this is subject to your agreement with Southern Cross Funeral Directors. Please remember that if you alter your original agreement you may incur additional costs.

Stories from our clients

“We would like to thank you for all of the care and thoughtfulness that went into my grandmother’s (Gwen) funeral.

Thank you for the care and compassion you showed my mother and the strength you showed. Your kindness will always be appreciated and never forgotten."

- Belinda and family

“On behalf of Russell's family I would like to express our gratitude for the wonderful send off Russell had last Friday. Everything was so well organised and we were very happy with the service you provided. The Celebrant, Deborah Jenkins was a perfect choice as her presentation at the Funeral Service was excellent.”

- Dianne

“With deep appreciation for your kindness and sympathy. You have indeed made our sad time a little easier to bear.”

- Dianne and family

“Thank you so much for being exactly what our family needed in the funeral preparation and the funeral service for our much loved mother.”

- Doris

“I am writing to thank you and every member of your staff for the professional and caring service on the occasion of my husband’s (David) funerals service on 29th May 2017.

We could not fault any part of the service, and we are most grateful."

- Jill and family

“I'd like to thank you and your team for taking care of all the arrangements for my Dad's funeral. On the day of the service the staff were so understanding, kind and supportive it made such a difficult day easier to get through.”

- Laura

“Your bright spirits and kind hearts reflected your professionalism and deep caring for families at their significant time of loss.”

- Lesley, Chris, Rob, Phil and Ken

“Thank you for looking after mum and all the hard work you have done! Words can’t thank you enough. You are one of the best human beings I have ever met in my life. Thanks for being there for all of us girls and keeping me laughing at this sad time. I take my hat off to you, Matty. Love you heap a very special person with a lot of gifts."

- Lisa, Vanessa and Julie