There is a big push by some funeral companies to tout the benefits of the pre-paid plans in Adelaide, South Australia they sell. They urge customers to pay for their own funeral in advance—in order to spare their loved ones the trouble and expense and lock in current prices.

Although these companies will always tell you about the pros of prepaid funeral plans in Adelaide, there are also lots of cons that you should be aware. But don’t just take our word for it!

The recent Royal Commission into Misconduct in the Banking, Superannuation, and Financial Services Industry (the Royal Commission) raised some serious findings relating to some prepaid finance products.

Choice, Australia’s leading consumer advocacy group, has claimed that some funeral providers are unfairly profiting from Australians who purchase pre-paid plans. “Australians don’t always get the full benefits when it comes to prepaid plans,” Choice’s investigative journalist Saimi Jeong said.

The Australian Securities and Investments Commission’s Moneysmart website also cautions that prepaid funerals can be inflexible and it may not be possible to get your money back once you’ve paid for your funeral, should you change your mind later.



What are the risks of prepaid funerals

The truth is that it is usually not wise to pay ahead in Adelaide, South Australia. No matter how attractive the business makes it sound, there are serious drawbacks to prepaid funerals in Adelaide that companies will not tell you about.

Things you should consider:

  • If you cancel, move or change your plan, you may not receive a full refund.
  • The money you pay for funeral arrangements now won’t be available for emergencies later.
  • Money spent today may not cover future funeral costs, which could result in the use of cheaper products or requests for additional money.
  • Family members may not be aware that funeral costs have been paid, and may pay at a different funeral home.
  • If you die interstate and your family employs another funeral home there, it may be difficult to get a refund.
  • By the time of your death, the funeral home may have a poor reputation, or be out of business entirely.


Are there better options?

There are much safer and better alternatives to prepaid funerals, such as setting up a special bank account, recording your funeral wishes (pre-need planning) and shopping around. These options reduce the risk of losing your money and provide your family with much greater control when the time comes.


Set up a Funeral bank account

According to Moneysmart, the simplest way to pay for your funeral is to save up for it. Set up a term deposit or savings account separate from your everyday bank account. Remember to tell your family and beneficiaries about it so they can use your savings to pay for your funeral. (Don’t nominate a funeral director as a beneficiary).


Record your funeral wishes

With eziFunerals, you can record your funeral wishes in advance by filling out a pre-need planning form. You can then store it in a secure Dashboard. You can also appoint your funeral guardian/s. Most importantly, be sure to tell your family about your plan. Walk them through every detail. Give them copies of your written funeral wishes.


Shop around and get quotes

By comparison shopping, you can make reasonably priced funeral arrangements, without setting aside large sums of money or prepaying anything. eziFunerals helps you get detailed quotes from several multiple homes —and compare prices. You’ll see big price differences for essentially the same goods and services. Visit our list of independent funeral homes, and choose the one you like best.


In summary

Your family will have to make choices after you die and you cannot just prepay these choices away.

You and your family will enjoy greater peace of mind, if you just simply plan ahead without the need to pre-pay your funeral up front. By planning your funeral in advance,  your family will be more empowered to shop around and make your funeral arrangements much easier. But if you decide to pre-pay your funeral in advance, be very cautious and read the contract.


Affinity Funeral Service 488 Brighton Rd, Brighton SA 5048
All Suburbs Funeral Services Brighton SA 5048
Australian Funeral Directors Association Highbury SA 5089
Barossa Funerals 1 Petras St, Tanunda SA 5352
Barossa Valley Funerals 4 New Rd, Nuriootpa SA 5355
Bassham Helen 49 McIntyre Rd, Para Hills West SA 5096
Berry Funeral Directors 200 Magill Rd, Norwood SA 5067
Bradtke O E & Sons Pty Ltd 3 Edward St, Loxton SA 5333
Butterfield P C & G L 76 Wood Tce, Whyalla SA 5600
Carr & Kleemann Funeral Directors 1 Morphett St, Mt Barker SA 5251
Carr & Kleemann Funeral Directors 1 Morphett St, Mt Barker SA 5251
Ceduna Funerals 51 Poynton St, Ceduna SA 5690
Cemetery Payneham 45 Marian Rd, Payneham South SA 5070
Chapel of the Holy Family 6 Briar Rd, Felixstow SA 5070
Clovercrest Funeral Chapel 395 Montague Rd, Para Vista SA 5093
Colin Liebig Funerals 4 New Rd, Nuriootpa SA 5355
Dignified Funerals Ashford SA 5035
Durdin & Forgie Family Funeral Directors 15 Scotland St, Balaklava SA 5461
Durdin Funeral Directors 16 Scotland St, Balaklava SA 5461
Eco Funerals 104 South Rd, West Hindmarsh SA 5007
Elberg Damien 280 Grange Rd, Flinders Park SA 5025
Elberg Peter Funerals 280 Grange Rd, Flinders Park SA 5025
Elizabeth & Smithfield Burial & Cremation Services Cnr Main North and Womma Rds, Elizabeth North SA 5113
Elliott Funeral Services 364 Main North Rd, Blair Athol SA 5084
Elliott Jack Funerals 70 South Rd, West Hindmarsh SA 5007
F.H Trevelion 348 Brighton Rd, Hove SA 5048
F.H. Trevelion & Son Pty Ltd 1 Edwards St, South Brighton SA 5048
Feltus Brothers Pty Ltd Feltus Rd, Poochera SA 5655
Forgie Mark & Gizelle 15 Cowan St, Gawler SA 5118
Fowler Colleen & Russell Albert Park SA 5014
Franklin Harbour Funerals 4 Warnes St, Cowell SA 5602
Fulham Funerals S.A. Pty Ltd 50 Midway Rd, Elizabeth SA 5112
Funeral Advice 491 Northeast Rd, Hillcrest SA 5086
Gibb Murray Funerals 29 Second St, Orroroo SA 5431
Golden Grove Funerals 26 O.g. Rd, Klemzig SA 5087
Greg O’Neill Funerals 84 Dauncey St, Kingscote SA 5223
Hahndorf Funerals 18 Graeber Rd, Lobethal SA 5241
Harrington Funerals 1 Morphett St, Mt Barker SA 5251
Harrison Funeral Chapel 63 Golden Grove Rd, Ridgehaven SA 5097
Hegelund Julie 49 McIntyre Rd, Para Hills West SA 5096
Islander Funerals Penneshaw SA 5222
James Graham M 1 Bartley Ave, Netherby SA 5062
Kapunda Funerals 16 Mildred St, Kapunda SA 5373
Kleemann Funerals 1 Morphett St, Mt Barker SA 5251
Kleemann Funerals 18 Graeber Rd, Lobethal SA 5241
Kleemann K J & J A Funeral Directors 18 Graeber Rd, Lobethal SA 5241
Kleemann S A 8 Cates Ave, Waikerie SA 5330
Knight Funeral Homes 49 McIntyre Rd, Para Hills West SA 5096
Knight Robin 49 McIntyre Rd, Para Hills West SA 5096
Liebig Colin 4 New Rd, Nuriootpa SA 5355
Life Memories 250 Glen Osmond Rd, Fullarton SA 5063
Limestone Coast Funerals By Women 17 Short St, Millicent SA 5280
Marble Hill Memorial Hall Lobethal Rd, Ashton SA 5137
Mattiske B M 2 Wiltshire St, Salisbury SA 5108
Mattiske R.W. 8 Quarry Rd, Para Hills SA 5096
Modbury Funeral Services 26 O.g. Rd, Klemzig SA 5087
Monte Tony Funeral Services 1 Webb St, Port Adelaide SA 5015
Mortlock Funerals 16- 18 Jervois St, Port Augusta SA 5700
Mt Barker Funerals 1 Morphett St, Mt Barker SA 5251
Mt Gambier Funeral Services 1 White Ave, Mt Gambier SA 5290
My Brother’s Keeper 451 Brighton Rd, Brighton SA 5048
Nofi Claudia 280 Grange Rd, Flinders Park SA 5025
Northern Area Funerals Pty Ltd Jamestown SA 5491
O’Neill Greg Funerals 1 Edwards St, South Brighton SA 5048
O’Rielley Funerals Kensington Park SA 5068
On Eagles Wings Funerals MT GAMBIER SA 5290
Peek A 8 Dean Ave, Kidman Park SA 5025
Pengelley & Knabe 290 Greenhill Rd, Glenside SA 5065
Pensioner Funerals 104-106 South Rd, West Hindmarsh SA 5007
SA Multicultural & Ethnic Affair 440 King William St, Adelaide SA 5000
Salisbury Funeral Funds 2 Wiltshire St, Salisbury SA 5108
Salisbury Funeral Parlors 2 Wiltshire St, Salisbury SA 5108
Seeley Funerals 1 Draper St, Kadina SA 5554
Sidney Harrison Funerals 63 Golden Grove Rd, Ridgehaven SA 5097
Sidney Harrison Pty Ltd 173 Port Rd, Queenstown SA 5014
Smithfield & Elizabeth Funeral Directors Cnr Main Nth and Womma Rds, Elizabeth SA 5112
Strathalbyn & District Funeral & Bereavement Service 7 Murray St, Strathalbyn SA 5255
The Natural Funeral Company West Hindmarsh SA 5007
Wilkins G H Hornsdale SA 5490
Wonderful Wakes Daw Park SA 5041

*Note: This is not an exhaustive list. Please visit eziFunerals and get multiple quotes before you select a funeral director near you



About eziFunerals

eziFunerals supports individuals and families cope with end of life decisions, death and funerals. We are an independent, Australian-owned and operated company. We are not part of any other funeral company.

Our member Funeral Directors operate in Sydney, Melbourne, Brisbane, Perth, Adelaide and Australia wide. They are chosen for their knowledge, quality, service, personalisation and experience. They go above and beyond, and will take the time to support the family.

For more information or to make contact with a trusted Independent funeral director, call eziFunerals on 1300 236 402 or visit