Before it became accepted practise, the thought of pre-planning your funeral was considered by many as “being a bit odd” . Never-the-less, here in Cowra some forward thinking individuals were quietly leaving the details of their preferred funeral arrangements with us.

Today, where pre-planning is promoted & encouraged, those file’s have grown quite extensively. It now includes the details of not only “pre-arranged” , but also “pre-paid” and “funeral savings plans” .

Planning ahead is now very common. It provides many people with the assurance that their affairs are in order. It gives families the peace of mind that decisions have been made, that finance’s wont be a problem and beyond that, it can provide financial benefits, particularly to some in receipt of a centrelink pension.

The most common option, that of pre-paying, involves placing sufficient monies into a “pre-paid” funeral plan. This provides families with the assurance that funeral expenses have now been covered, hence it alleviates any concern regarding the ability to meet those expenses at some time in the future.

For anyone considering the option of pre-paying, it is important that one understands the principle of doing so. In short, once paid, the pre-paid funds are not retained by the funeral director. They are passed on to a trustee, where the funds are held & managed in an approved funeral fund. When the time comes and the funeral arrangements are carried out, the funds are then released by the trustee, directly to the funeral director, to meet the cost of funeral expenses. It is important to acknowledge, that funeral funds & their trustees are strictly regulated under the Corporations Act 2001 & Life Insurance Act 1995. Monies held within these funeral funds have a capital guarantee, supported by the solvency reserves of the trustee.

Other forms of pre-planning may simply involve leaving a record of your preferred choices with us. This enables your family/executor to carry out your instructions, in the knowledge that your wishes are being followed.

If you feel that pre-planning may be for you, we are here to assist & guide you through the different options available to you. Use our experience to help you find the solution which gives you the greatest peace of mind.


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