There is a big push by some funeral companies to tout the benefits of the pre-paid plans in Melbourne, Victoria they sell. They urge customers in Victoria 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 Melbourne, 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 Melbourne, Victoria. No matter how attractive the business makes it sound, there are serious drawbacks to prepaid funerals in Melbourne 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 in Melbourne, 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.


A C Addison & Sons 39 Wangara Rd, Cheltenham VIC 3192
A Harris Funerals FOOTSCRAY VIC 3011
AA AAAscension Funeral Directors GLEN WAVERLEY VIC 3150
Abacrombie Funerals MELBOURNE VIC 3000
ACA Funeral Supplies BELL PARK VIC 3215
Adass-Israel Chevra Kadisha 315 Kooyong Rd, Elsternwick VIC 3185
Aerial Burials KOO WEE RUP VIC 3981
Alexandra Funerals Of Bendigo 420 Napier St, Bendigo VIC 3550
Allison/Monkhouse John CAULFIELD VIC 3162
Alternative Funerals 297 High St, Thomastown VIC 3074
Amalgamated Casket Co Pty Ltd BROOKLYN VIC 3012
Ararat Cemetery Trust Nott Rd, Ararat VIC 3377
Australian & Victorian Funerals LILYDALE VIC 3140
Australian Christian Press RESEARCH VIC 3095
B.Matthews CAULFIELD VIC 3162
Baggs Funeral Directors 157 Main St, Bairnsdale VIC 3875
Bamford’s Funeral Services 848 Main Rd, Eltham VIC 3095
Bangholme District Funerals Dandenong VIC 3175
Banksia Burials & Cremations ESSENDON VIC 3040
Banksia Burials And Cremations 297 High St, Thomastown VIC 3074
Barbara Lonergan NORTHCOTE VIC 3070
Bathurst T & Co 315 Kooyong Rd, Elsternwick VIC 3185
Bayside Funerals 604 Esplanade, Mt Martha VIC 3934
Bell Funeral Services DANDENONG VIC 3175
Bendigo Cremation & Burial Service 151 McCrae St, Bendigo VIC 3550
Berwick Funeral Service 21 Lyall Rd, Berwick VIC 3806
Berwick Funeral Service 210 Sladen St, Cranbourne VIC 3977
Bill Matthews Funeral Services LILYDALE VIC 3140
Bouchier Brian 67 Ely St, Yarrawonga VIC 3730
Brian Walsh Funerals COBRAM VIC 3644
Brindley Ross Albert Rd, Beechworth VIC 3747
Buddhist Compassion Relief Tzu Chi Foundation 1048 Whitehorse Rd, Box Hill VIC 3128
Buddhist Foundation (Vic) Australia Inc 130 Station St, Fairfield VIC 3078
Budget Cremation Care Shepparton VIC 3630
Candlepines Undertakers Of Distinction Pty Ltd WILLIAMSTOWN VIC 3016
Cashin Pat 1114 Doveton St North, Ballarat VIC 3350
Catholic Funeral Service FITZROY NORTH VIC 3068
Chapell Brothers Funerals Melbourne VIC 3000
Chapell Brothers Funerals 238 Settlement Rd, Thomastown VIC 3074
Charles Crawford & Sons MELTON WEST VIC 3337
Chiltern & District Funerals Chiltern VIC 3683
Chris Brember Funeral Advocate Services 12 Wildflower Crst, Narre Warren South VIC 3804
Christos Stamelos BRUNSWICK VIC 3056
Christos Stamelos Funeral Services Pty Ltd BRUNSWICK VIC 3056
Col & Pal Semmens Funeral Directors 5 Queen St, Maffra VIC 3860
Colac Funeral Services 7 Howarth St, Elliminyt VIC 3249
Contemporary Funerals Footscray VIC 3011
Corryong & District Funerals Hanson St, Corryong VIC 3707
Coventry Clive 113 Corio St, Shepparton VIC 3630
Cox Peter & Sons Funeral Directors Pty Ltd 31- 33 Quinn St, Numurkah VIC 3636
Crawford Charles & Sons Funeral Directors MELTON VIC 3337
D.F.S. Funeral Fund DANDENONG VIC 3175
Dandenong Funeral Care 137 Princes Hwy, Dandenong VIC 3175
David W Bull Funeral Directors PAKENHAM VIC 3810
Deer Park Funeral Services Unit 1/ 29-39 Westwood Dr, Ravenhall VIC 3023
Delbridge Funeral Chapel 203 Dawson St, Sale VIC 3850
Dernikos John Greek Funerals 221 Charman Rd, Cheltenham VIC 3192
Dimboola Cemetery Trust 6 Anna St, Dimboola VIC 3414
Dormition Of Our Lady Church 149 Charman Rd, Mentone VIC 3194
Douglas. P. Russell J.P 89 Balcombe Rd, Mentone VIC 3194
Doveton Park Funeral Centre 1251 Doveton St North, Ballarat VIC 3350
Dunn John Funeral Services Pty Ltd 9 Campbell St, Ararat VIC 3377
Dunstan’s Funerals 28 Warlen Ave, Robinvale VIC 3549
Echuca Cemetery Trust The Homan St, Echuca West VIC 3564
Edward (Ted) Bull SEAFORD VIC 3198
Epicare MELBOURNE VIC 3000
Ethnic Communities Council Of Victoria 150 Palmerston St, Carlton VIC 3053
Evans H & Sons Ballarat VIC 3350
Female Care Funeral Directors HEIDELBERG VIC 3084
Findlay & Grant Funerals BENTLEIGH EAST VIC 3165
Findlay Funerals Pty Ltd BENTLEIGH EAST VIC 3165
Flavel Funeral Services 95 Mason St, Wangaratta VIC 3677
Footscray Funeral Services SEDDON VIC 3011
Frankston-Hastings Funeral Services Somerville VIC 3912
Funeral Info 6 Bruce St, Preston VIC 3072
Funeral Line Australia CAULFIELD NORTH VIC 3161
Funerals By Peter Cox & Sons At Nathalia 33 Quinn St, Numurkah VIC 3636
Funerals By Peter Cox & Sons At Numurkah Cnr Meiklejohn and Quinn, Numurkah VIC 3636
Gabrielle Walsh Funeral Services GREENSBOROUGH VIC 3088
Garlick Family Funerals 95 Mason St, Wangaratta VIC 3677
Gateway/Grant Funerals 177 East Boundary Rd, Bentleigh East VIC 3165
Geoffrey. D. Russell J.P 89 Balcombe Rd, Mentone VIC 3194
Gippsland Funeral Services 21 Hoddle Rd, Foster VIC 3960
Gisborne & District Funeral Services 46 Aitken St, Gisborne VIC 3437
Glen Funerals 148 Bell St, Heidelberg Heights VIC 3081
Glen Funerals MT WAVERLEY VIC 3149
Grant John Funerals BENTLEIGH EAST VIC 3165
Greco funerals 161 Newlands Rd, Coburg VIC 3058
Greek Funeral A & G Morakis Doncaster VIC 3108
Greek Funeral Director Joannides Funerals BALWYN VIC 3103
Greek Funeral Directors 922 Glen Huntly Rd, Caulfield South VIC 3162
Gurum Brothers Pty Ltd 1282 Plenty Rd, Bundoora VIC 3083
Hamilton Lamb Memorial Hall 23 Pynsent St, Horsham VIC 3400
Hampton A. & H. 420 Napier St, Bendigo VIC 3550
Harmony Funeral Providers Chifley Dr, Preston VIC 3072
Harris Family Funerals 137 Princes Hwy, Dandenong VIC 3175
Hearse Phillip BALWYN VIC 3103
Hepner Jonathan 199 Ormond Rd, Geelong East VIC 3219
HERITAGE GAVAN FUNERALS 24Hrs 134 Victoria Rd, Lilydale VIC 3140
Heritage Park Funerals Numukah & Nathalia NUMURKAH VIC 3636
Hindu Foundation 10 Church St, Bayswater VIC 3153
Hindu Society Of Victoria 52 Boundary Rd, Carrum Downs VIC 3201
Hoban, Hutson & Tuttle High St, Cobram VIC 3643
Hobson’s Bay Funeral Services Footscray VIC 3011
Howard Squires 9 Sydney St, Kilmore VIC 3764
Independent Funeral Services Po Box 2013, Mildura VIC 3502
Isis Funeral Consultants VIEWBANK VIC 3084
J.J. Kell & Son Funeral Directors 136 Napier St, St Arnaud VIC 3478
James Ferris Funerals 457 High St, Echuca VIC 3564
John Allison/Monkhouse 922 Glenhuntly Rd, Caulfield VIC 3162
John Grant Funerals 177 East Boundary Rd, Dandenong VIC 3175
John Grant Funerals BENTLEIGH EAST VIC 3165
Joseph Allison Funerals POINT COOK VIC 3030
Kabaraye The World Peace Buddhist Association 71 Churchill Park Dr, Endeavour Hills VIC 3802
Kinglake Funerals 11 Beech St, Whittlesea VIC 3757
Kingston Funeral Services 147 Park Rd, Cheltenham VIC 3192
L.V. Funeral Services Pty Ltd Newborough VIC 3825
Lakeside Funerals NUMURKAH VIC 3636
Lara Funeral Service 8 Forest Rd North, Lara VIC 3212
Le Pine Asian GLEN WAVERLEY VIC 3150
Ling Colin & Pam- Corowa/Rutherglen Funeral Directors 70 Main St, Rutherglen VIC 3685
Lonergan & Raven Funeral Directors 464 Glenferrie Rd, Hawthorn VIC 3122
Lonergan & W G Funerals FAIRFIELD VIC 3078
Lonergan & W G Raven Funerals NORTHCOTE VIC 3070
Lorna Keam Funerals – Ouyen 18 Rowe St, Ouyen VIC 3490
Lyons Family Funerals FERNTREE GULLY VIC 3156
Madden Pre Paid Funeral Services Cnr Deakin Avenue and Hoyts Drive, Mildura VIC 3500
Maffra Funeral Services 5 Queen St, Maffra VIC 3860
Maldon Cemetery Trust 80 Nuggetty Rd, Maldon VIC 3463
Mannings Funerals 155 Sladen St, Cranbourne VIC 3977
Mark Carey Funerals ST KILDA VIC 3182
Mark J. Floyd Funeral Services Shop 1/ 5A Wallis St, Seymour VIC 3660
Matthews Funerals 45 Cavehill Rd, Lilydale VIC 3140
Matthews William Funeral Services 440 Maroondah Hwy, Lilydale VIC 3140
Matthews William Funerals 440 Maroondah Hwy, Lilydale VIC 3140
Melbourne Cremation & Burial Service RICHMOND VIC 3121
Memorial Funeral 11 Shiralee Ct, Wheelers Hill VIC 3150
Memories & Tributes COBURG VIC 3058
Memories to Treasure 2/ 15 Greenhills Rd, Bundoora VIC 3083
Merritt Funeral Services 10-16 MacIsaac Rd, Mooroopna VIC 3629
Monkhouse John Allison Brighton VIC 3186
Morakis Funerals Doncaster VIC 3108
Morningside Funerals 123 Jetty Rd, Rosebud VIC 3939
Mornington & District Funeral Directors 32 Grant Rd, Somerville VIC 3912
Mulqueen & Sons 15 – 25 Bridge St, Bendigo VIC 3550
My Melbourne Memories MELBOURNE VIC 3000
N.J.Todd Funeral Directors 107 Binney St, Euroa VIC 3666
Naqibi Brothers Pty Ltd 110 Gowrie St, Glenroy VIC 3046
Nelson Bros Pty Ltd 237 Heaths Rd, Werribee VIC 3030
Newlands Funerals COBURG VIC 3058
Nick Kourtessis Doncaster VIC 3108
Numurkah Funeral Services 33 Quinn St, Numurkah VIC 3636
Numurkah Wunghnu Cemetery Trust 12 Corke St, Numurkah VIC 3636
Oakley W H 15 – 25 Bridge St, Bendigo VIC 3550
P.J. Delahunty Funeral Services 237 Commercial Rd, Yarram VIC 3971
Padbury Funerals Doncaster VIC 3108
Pat Cashin Funerals 1114 Doveton St North, Ballarat VIC 3350
Pathway Funeral Help Geelong, Geelong VIC 3220
Peter Murray Funerals Lakes Entrance VIC 3909
Pettolino Funeral Services VERMONT SOUTH VIC 3133
Philip Christian Cnr Grubb Rd Andamp, Sinclair St, Ocean Grove VIC 3226
Quinane & Todd 16 Sledmere Ave, Cobram VIC 3644
R S S & A I L A Memorial Hall 260 Princes Hwy, Traralgon VIC 3844
Richard Grimmett Cnr Grubb Rd Andamp, Sinclair St, Ocean Grove VIC 3226
Riddingtons Funeral Directors 49 Thomas Mitchell Dr, Wodonga VIC 3690
Ronald Joseph Funerals Wyndham Vale, Wyndham Vale VIC 3024
Rosebud Funerals RYE VIC 3941
Russell Douglas P Funeral Director 89 Balcombe Rd, Mentone VIC 3194
Russell Keith 7 River St, South Yarra VIC 3141
S.A.Hollibone SEDDON VIC 3011
S.F.S. Funeral Fund SEAFORD VIC 3198
Saca Brothers Holding WEST MELBOURNE VIC 3003
Sale Funeral Services 203 Dawson St, Sale VIC 3850
Sale Memorial Hall Sale VIC 3850
Sanderson G L & W L 42 Main St, Stawell VIC 3380
Santamaria Brothers 645 Duncans Rd, Werribee South VIC 3030
Seaford Funeral Care Frankston VIC 3199
Seymour Funeral Services 12- 14 Emily St, Seymour VIC 3660
Silver Lining Funerals 86 Bullumwaal Rd, Bairnsdale VIC 3875
Simplicity Funerals 3/ 28 Station St, Bayswater VIC 3153
Skehan A & Co 31 Powlett St, Kilmore VIC 3764
Stanley A. Hollibone & Son Pty Ltd 7 Droop St, Footscray VIC 3011
Taylor E & Son IVANHOE VIC 3079
Ted Bull Funeral Services 32 Grant Rd, Somerville VIC 3912
Tobin Brothers Asian Funerals 505 Princes Hwy, Noble Park VIC 3174
Tobin Brothers Greek Funerals 816 Doncaster Rd, Doncaster VIC 3108
Tobin Brothers Spanish Funerals NORTH MELBOURNE VIC 3051
Tom Bulls Funeral Care MORNINGTON VIC 3931
Traditional Funeral Services 13 Sutherland Ave, Kew East VIC 3102
Tripodi Funerals COBURG VIC 3058
Tuckers Funeral & Bereavement Service Grovedale Chapel & Reception Cnr Pioneer Rd and Torquay Rd, Grovedale VIC 3216
Tuckers Funeral & Bereavement Service Highton Chapel Highton VIC 3216
Tuckers Funeral & Bereavement Service Les Cole Chapel 55 Hope St, Geelong West VIC 3218
VCAY Funeral Directors OAKLEIGH VIC 3166
Walter Warne Footscray VIC 3011
Warne Walter A FOOTSCRAY VIC 3011
Warrnambool Cemetery 56-60 Verdon St, Warrnambool VIC 3280
Welshpool Memorial Hall 49 Main St, Welshpool VIC 3966
Werribee Funerals 11- 13 Greaves St, Werribee VIC 3030
Westernport Funeral Care Hastings VIC 3915
White Lady Funerals MORNINGTON VIC 3931
Williamstown Funeral Services 81 Kororoit Creek Rd, Williamstown VIC 3016
Wimmera Funerals 1 Wilson Street Horsham 3400
Wonthaggi Funeral Services 176- 178 Graham St, Wonthaggi VIC 3995
Yarram Funeral Services 175 Commercial Rd, Yarram VIC 3971

*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