Prepaid Funerals in Australia: Plan Ahead with Confidence
Planning your funeral in advance may not be easy to think about, but it’s one of the most thoughtful decisions you can make for your family. A prepaid funeral gives you the power to arrange your farewell on your terms — and protect your loved ones from emotional and financial stress later.
At eziFunerals, we help Australians compare prepaid funeral options, understand their benefits, and make informed choices with total peace of mind.
What Is a Prepaid Funeral?
A prepaid funeral is a legally binding agreement between you and a funeral provider, allowing you to:
- Lock in today’s prices for funeral services
- Choose the type of funeral you want (burial, cremation, eco-friendly, etc.)
- Pay upfront or in instalments
- Record your preferences and avoid family disputes
- Ensure your funeral is handled the way you want
Once paid in full, your contract is secured and your family will have nothing more to pay when the time comes (unless extra services are requested).
Benefits of a Prepaid Funeral
- Peace of mind knowing your wishes are documented
- No rising costs — future price increases won’t affect you
- Reduced burden on family during a time of grief
- Flexibility to personalise your funeral the way you want
- Centrelink asset test exemption (conditions apply)
Prepaid funerals aren’t just for the elderly — they’re for anyone who wants control over how they’re remembered.
What’s Included in a Prepaid Funeral?
A prepaid funeral can include:
- Professional funeral director services
- Cremation or burial fees
- Coffin or casket
- Transport and care of the deceased
- Venue hire or chapel
- Celebrant or clergy
- Music, flowers, notices, or livestreaming
- Legal paperwork and death certificate
You can tailor your plan to your values, culture, budget, and wishes.
Prepaid Funerals vs Funeral Insurance
| Feature | Prepaid Funeral | Funeral Insurance |
| Payment Type | Once-off or instalments | Ongoing premiums |
| Total Cost | Fixed — no surprises | Can exceed funeral cost over time |
| Refundable | Usually non-refundable | Some policies may lapse or expire |
| Price Lock | Yes — locks in current prices | No — prices may rise |
| Centrelink Exemption | Yes (if compliant) | No |
Tip: Prepaid funerals are more cost-effective for long-term planning.
Am I Eligible?
Yes! Anyone over 18 can prearrange their funeral. It’s especially recommended for:
- Seniors wanting to plan ahead
- People entering aged care
- Families managing estate planning
- Individuals who want to relieve future stress on loved ones
Some providers offer interest-free payment plans to help you spread the cost.
How eziFunerals Can Help
We’re Australia’s only truly independent funeral comparison platform, helping you:
- Compare prepaid funeral providers in your area
- Get quotes from trusted funeral homes
- Understand your Centrelink benefits
- Secure your wishes in writing
- Avoid upselling and high-pressure sales
We don’t work for funeral homes. We work for you.
Start Planning Your Prepaid Funeral Today
It only takes a few minutes to explore your options and take control of your end-of-life planning. eziFunerals is here to support you every step of the way.
Call: 1300 236 402
Email: support@ezifunerals.com.au
Visit: www.ezifunerals.com.au
