Prepaid Funeral Plans: a guide to making the right choice

Prepaid Funeral Plans: a guide to making the right choice

Prepaid funerals enable you to financially and emotionally safeguard your family from the pressures of planning and funding a funeral at the time of grief. 

This concept, while not new, has become increasingly popular due to the growing funeral costs and a desire for individuals to have a say in their own final farewell. 

The Lady Anne Funerals guide to prepaid funerals provides a comprehensive look into the process of arranging a prepaid funeral, their advantages, things to look out for, and the considerations you should make prior to committing.

What exactly is a prepaid funeral?

A prepaid funeral is essentially a contract between an individual and a funeral provider. This contract stipulates that the provider will deliver specific funeral services in the future, and in return, the individual pays for these services in advance

Types of Prepaid Funeral Plans

Fixed Price Plans

These plans guarantee that the cost of the funeral service won't increase over time. The consumer pays a predetermined price, which will remain unchanged regardless of inflation or any other future economic factors.

Instalment Plans

Some providers offer the option to pay in instalments over time, which might come with additional fees.

Key reasons to consider a prepaid funeral

With a prepaid funeral, the chosen funeral director assumes the responsibility of future rising costs, legally committing to provide the service without additional costs down the road.

The primary reasons you might consider prepaying a funeral are as follows:

Financial security

Prepaying ensures that your funeral expenses are covered, irrespective of any future price hikes in funeral services and the financial situation of those closest to you. This enables your loved ones to honour you with a funeral that respects your wishes, while reducing financial impact on them.

Emotional peace

It removes the burden of decision-making from grieving family members, ensuring your last rites are in accordance with your wishes. Live your life knowing that your funeral will be what you want for yourself.

Avoids unnecessary expenses

By pre-planning, one can prevent overspending on unnecessary items or services at the time of grief. Being clear in your desires can allow loved-ones to feel certainty that your funeral is exactly what you want, without the pressure of purchasing unnecessary extras that don’t align with your wants.


What to be aware of if considering a prepaid funeral

When entering into a prepaid funeral contract, it’s important to consider any obligations you might become liable for, and weigh up whether the prepaid funeral provider is able to offer a contract that meets your needs.


Some contracts may not allow changes once they’re set, which can be an issue if one changes their mind or relocates. Ask your funeral director whether your funeral plan is able to be amended if needed.

Financial Risks

Depending on the financial health of the funeral provider, there could be risks associated with them going out of business or mismanaging funds. Select a reputable funeral home with an established reputation in the industry.

Hidden Costs

Not all costs may be covered in the prepaid plan. Some items, like cemetery costs or obituary fees, might be additional. Clarify such expenses with your funeral director in advance, and make a note of them, so you can include them in your will.

Prepaid funeral due-diligence

1. Research the funeral provider

It's essential to check reviews, ratings, and perhaps even consult with the Better Business Bureau to ensure that you’re dealing with a reputable provider.

2. Understand the contract

Thoroughly read the terms and conditions to understand what’s covered, the refund policy, any potential hidden costs, and the flexibility to make changes.

3. Plan for the unexpected

Inquire about what happens if you relocate or if the funeral provider goes out of business.

4. Cost breakdown

Understand the breakdown of the total cost. Some contracts may include non-guaranteed items whose prices can fluctuate, leading to extra costs later.

5. State regulations

Each state may have different regulations and protections in place for prepaid funerals. It's vital to be aware of these to ensure you're fully protected.

prepaid funeral plan sydney

Decisions to make prior to moving forward with a prepaid funeral

When pre-planning a funeral, the breadth and depth of decisions can be overwhelming. However, by considering the following elements, you can make your prepaid funeral truly align with your wishes:

Location of the service

Decide where you'd like your funeral to be held. This can be a traditional funeral home, a religious place of worship, a community hall, or even a more personal location like your home or a favourite outdoor spot.

Religious or non-religious service

Determine the tone and nature of your service. Would you prefer a religious ceremony, drawing upon traditions and rituals from your faith? Or would you rather have a secular service that focuses more on personal memories and stories?

Disposition of the body


If choosing a burial, decide on the cemetery and even the specific plot. Consider whether you want a traditional in-ground burial or a mausoleum entombment.


If you prefer cremation, think about where you'd like your ashes to be stored or scattered. There are various urn options, or you might even choose a biodegradable urn for a more eco-friendly choice.

body donation

Some opt to donate their bodies to medical science. If this interests you, research institutions that accept body donations and understand their requirements.

natural burial

A growing trend is green burials, which use biodegradable coffins or shrouds and avoid embalming chemicals, leaving a minimal environmental impact.

Funeral service extras

Coffin/Casket Type

There's a wide range of coffins, from simple wooden ones to elaborate metal caskets. Some even choose eco-friendly, biodegradable options.

Type of Service

Do you want a wake or a viewing before the funeral? This can impact decisions around embalming and presentation.


Decide on the type and arrangement of flowers you'd like, or if you'd prefer donations to a chosen charity instead of flowers.


Music can set the tone for a service. Choose specific songs, hymns, or instrumental pieces that resonate with your life and memories.

Memorial Stationery

Consider if you'd like memorial booklets, prayer cards, or thank-you notes. These can be personalised with photos, quotes, or verses.

Video or Slideshow

Some opt for a visual montage of their life. Decide if you'd like this and, if so, which photos or videos to include.

Other funeral considerations


Designate who you'd like to deliver eulogies or share memories during the service.

Dress Code

Some people specify if they want attendees in formal attire, casual clothes, or even thematic outfits that reflect a hobby or passion.

Post-Service Gathering

Determine if you'd like a reception after the service and where it should be. This can be an opportunity for attendees to share memories in a more relaxed setting.

prepaid funerals sydney

How to get started with a prepaid funeral

Prepaid funerals offer a way to alleviate the financial and emotional burdens that can come with planning a funeral at the time of passing. However, like all significant financial decisions, it's crucial to approach it with due diligence. Ensure you understand all aspects of the contract, know your rights and protections, and trust the funeral provider you're dealing with.

By making an informed decision and regularly reviewing the arrangement, you can ensure that a prepaid funeral plan provides the peace and assurance it's intended to offer, both for you and your loved ones.

This approach to end-of-life planning, while not for everyone, can be an effective way to ensure one's wishes are honoured and that the financial burdens are managed proactively. Always consult with professionals and perhaps even family members before making a final decision.

Get in touch with Lady Anne Funerals compassionate team of all-female funeral directors today, and honour your life with the prepaid funeral you deserve.




About us

LAF homepage video

Our compassionate all-female team are dedicated to supporting families in their times of need. We arrange beautiful personalised funeral services in the Ryde area.



Recent Posts

We're here to help

Lady Anne Funerals is here to support and assist your family through what can be a difficult time, with a ladies touch. 

We are available to discuss a range of services to support your family, including: 

  • Personalised memorial services
  • Cremation and burial services
  • Religious services catering to all faith's
  • No service, no attendance 

Please get in touch - night or day - via the form or you can call us on the number below.

Phone: 1300 74 00 74

206 Victoria Road, Gladesville 2111

Let's Talk

Some of the families we've helped

My family and friends were very happy with every aspect of the preparation and celebration of the end of my wife. When I knew the end was near I spoke to Yvonne who explained to me what would happen and this was done with delicacy and tact. When the end came Yvonne came to our house and explained every aspect of what would happen. We explained what we wanted for Margaret's farewell and nothing was too much trouble for Yvonne to explain or discuss. On the day of the funeral everything went like clockwork and all my relatives and friends told me how impressed they were. So thank you to Yvonne for being celebrant and MC at the farewell and thank you to all the Lady Anne team. If I were asked to score the service my family received  it would be ten out of ten.
Dick Hodge
I would like to thank you and the whole team at Lady Anne Funerals for making mums funeral the perfect goodbye. The funeral was everything and so much more than mum wanted. Nothing seemed to be too hard and that made my time far simpler than i had expected. 
The whole day was perfect and we noticed with love all the special touches from the bookmarks to the candle to the display screen with Iris's. Thank you so much. Your team felt like part of the family rather than people doing a job.
That i believe is what sets Lady Anne apart.
I cant thank you enough.

I want to send a heartfelt 'thank you’ to you both, and your team, for your compassion and your assistance in taking meticulous care of Dad and arranging such a beautiful end of life service for him. Within a matter of only a few days, which included a weekend, you were able to organise the perfect service tailored to our requests.

Not only did you organise the attendance of the RSL representative, you also went to considerable trouble to download the music and videos we had chosen, in a format that could be utilised in the service.We greatly appreciated your guidance too with organising the order of service and arranging a printed copy of the tributes for one of our friends who was deaf.

Thank you Yvonne for doing a magnificent job as the celebrant. We greatly appreciated you reading our tributes to Maurie on the family’s behalf. Thank you too for reading the poem, 'The Dash’ so beautifully.

It was comforting for our family and friends to come together in a more intimate setting, which your chapel provides. The light refreshments, which followed the service, were ideal, allowing the family to stay on and share their memories.

Dad quite often had high expectations of the way things should be done, bless him, so I was particularly mindful of doing him proud with this last expression of our love for him and a tribute to his long and meaningful life. We achieved this, with your help, and I know he would have been deeply touched and honoured. Thank you for you for all you did.


"I just wanted to say a big thank you to you and your amazing team. I couldn’t have asked for things to go any better. Everything was perfect. And your ladies were beautiful. Your Yvonne is amazing. She is patient, compassionate, caring and delivers perfection in all the elements of the proceedings. She has been an absolute Gem.

Once again thank you so very much. I would highly recommend anyone to use your company if they want a perfect funeral service. 5 star service. 5 star outcome.

There were multiple compliments on the service, on your ladies and on the care from the attendees. I’m more than happy for you to post this on any media platform as a compliment and tribute to your company.

Thank you."

Anne Leslie
“I just wanted to send you our sincerest thanks for everything you and your incredible team did for us in making the most perfect day, celebration and farewell of our beautiful Harper.

I have given a lot of thought to your business and the industry and I think it is perhaps the most important business for families to get it right when it comes to planning a funeral which may be sudden or may be a long time in the making. Either way, when one is faced with the unfortunate situation of needing to arrange a funeral, only then do you realise the importance of getting it right.

We experienced first hand the polar opposites the industry offers. It is not just about the cars, the booklets, the music and all the things that make up the day - its about the service, the care and most importantly it’s about the people.

From our very first conversation we could sense your genuine care to our situation and your attention to detail was obvious - this was very different to the previous conversations we had with others we had been referred to. Those other companies wanted to commence meetings with the paperwork side of things upfront which is a very confronting thing to do just days after losing your loved one - and when one of the others that I am referencing couldn’t even refernece our daughters name as our meeting started - we were horrified of how poor the service of care could be.

This is where you and your team shine. After feeling very lost in our search to secure the perfect funeral director to create the perfect day, my wife all of a sudden recalled you standing out the front of your office each morning watering the surrounding gardens to ensure a beautiful front of house. Well, I can assure you, it is not just the front of house that is beautiful - its the entire package that is beautiful.

Your manner, your direction and your expertise is evident from the get go. Nothing is too hard for you or your amazing team. The personal care made us feel like we were the only funeral you were working with at the time, and that’s exactly how it should be.

The finer detail, such as driving past our house so our daughter could go past our house one last time, then leaving the most beautiful flowers on our doorstep, to bumping into us at the Church because you were just doing your own research to make sure the day was seamless. This combined with your recommendations from every aspect as everything was very foreign to us, you were able to guide us to achieve the most beautiful farewell.

The day itself was simply perfect. Not once did we have a concern. The car was shining, your team dressed beautifully, cold water provided for us, directions for our guests, directions for us. Everyone commented on how amazing the day was and how incredibly your team were. Seamless is the only word I can use. It doesn’t stop here.

Your personal care and guidance then allowed us a more intimate farewell the following day (we are so grateful for for this recommendation and possibly would have missed this special day if you had suggested it was the best idea). Again, you and your team made us feel like you had nowhere else to be, and no one else to help. Just us. The setting was beautiful, the celebrant (that you arrange and recommend) is a delightful, your team make this day even more special than the last.

This is something we never want to go through again but there will be so many others, that like us, have no idea where to start to look for the right funeral director for their own special day. All I can say is that I hope that they appoint Lady Anne Funerals. We learnt a lot quickly and it is again a business many do not ever consider needing but without question one of the most important businesses to select the right person and the right team.

I welcome any of your future potential clients to contact me if they wish to discuss our experience with the amazing Lady Anne team. We thank you for giving our beautiful baby the most incredible farewell that was exactly how we imagined it, you just made it happen.”

Lee Dowdall

“We wish to thank you for having helped us put together a beautiful farewell for our mother, one which she would have been delighted with.

It was a difficult day and it would have been worse without your synchronised, seamless and consistent presence as well as attention to detail.

We value your candour as the people you are and the very sensitive manner in which you conducted the service.

Thanking you from the bottom of our hearts,

The Pastore Family
Karen has supported my Mum and me through the most difficult week of our lives as we not only planned a funeral, but interred my Dad to his new home. I will be forever grateful to Karen for her ongoing support, guidance, kindness, empathy and friendship over the last week. Karen has now become part of our extended circle of close family friends.
Daughter of the late Sveta Dordevich
Lady Anne Funerals has the compassion, understanding and empathy that many of the larger funeral homes do not possess. My aunts funeral was dignified and classy everything she deserved. I would highly recommend Lady Anne (and have) as they go above and beyond.
Joanne Marks
I am overwhelmed with the feedback on how beautiful it all was from all who attended. You and the other ladies were wonderful, looked so elegant, and made the day so very special for all who loved Paul.
Barbara Sommerville Enright
Karen and her staff treated us with the utmost respect we could not have been in better hands during this difficult time. My mum had organised her funeral with a prepaid funeral plan which she had purchased from Karen almost ten years ago this also made this upsetting time much easier to deal with and she got all the things that she wished for.
Malcolm Ellis
On behalf of my family, I would like to thank Lady Anne Funerals for a beautiful service yesterday for my aunt Dot. All who attended commented on how lovely the service was & the professionalism of all the staff. Thanks again very much for helping making a sad day one of celebration of Dot’s life.
Judith Neville