Enquiries(08) 9381 7022
Our packages have no hidden fees and are inclusive of GST.
Our packages have no hidden fees and are inclusive of GST.

At Simple Price-Wise Cremations we care about your wishes, including those personal touches which can make such a difference. That is why we are pleased to offer you the flexibility of choice.

For example, if you already have some idea of the service you require, you can select from one of several funeral packages we have designed.

Alternatively, if you are unsure of the type of service you want, but are still keen to financially protect your loved ones then we can offer you the choice of investing in a funeral bond, an investment product specifically designed to help meet funeral expenses.

To help you in deciding which option best suits your needs we have set out below a series of questions and answers that highlight some of the differences between funeral planning options, including funeral insurance.

Quick Comparison

Click here to see FAQs below.

Questions Funeral Bond Pre-Paid Funeral Plan Funeral Insurance
Product is capital guaranteed Yes Yes Yes
Offers monthly payment option Yes Yes Yes
Age restrictions No No Yes
Health restrictions No No No
Only accidental death cover in 1st year N/A No Yes
Redemption value if stop paying Yes Yes No
Can nominate preferred funeral firm Yes Yes No
Can decide the funeral you want No Yes No
Guaranteed sufficient funds to cover funeral No Yes No
Money must be used for funeral Yes Yes No
Can be in joint names Yes Yes No
Questions Funeral Bond Pre-Paid Funeral Plan Funeral Insurance
Product is capital guaranteed Yes Yes Yes
Offers monthly payment option Yes Yes Yes
Age restrictions No No Yes
Health restrictions No No No
Only accidental death cover in 1st year N/A No Yes
Redemption value if stop paying Yes Yes No
Can nominate preferred funeral firm Yes Yes No
Can decide the funeral you want No Yes No
Guaranteed sufficient funds to cover funeral No Yes No
Money must be used for funeral Yes Yes No
Can be in joint names Yes Yes No

Funeral Bonds, Pre-paid Funeral Plans and Funeral Insurance Compared

Will my investment be used to pay for my funeral?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Your investment must be used to contribute towards the costs of your funeral

Investment must be used to meet the full costs of the funeral. The price of your funeral is fixed at today’s prices.

Investment can be spent on anything. It does not have to be spent on funeral related expenses.

Can I specify my funeral wishes?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Your wishes can be specified but they do not form a legally binding arrangement.

You enter into a legally binding contract with your funeral director of choice. Your wishes must be fulfilled.

You may not be able to specify your funeral wishes.

Who takes the risk that there will be enough money at the time of claim to pay for the funeral?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Your Estate

Your Funeral Director

Your Estate

What happens if I stop making my regular payments?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Any money already paid into the policy remain invested in your name to be used to contribute towards your funeral expenses.

No affect if the contract has been paid in full. Nothing further to pay. Price is fixed.

Failure to make one monthly payment may result in your policy being cancelled and you receiving nothing back.

Does the policy have a maximum age restriction?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

No

No

You may not qualify if you are over the age of 80.

If I die from natural causes in the first 12 months of taking out the policy will I still be covered?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Yes. Any payments made must be used to contribute towards the costs of a funeral.

Yes. If the contract has been paid in full then there is nothing further to pay. Price is fixed.

You may not be covered

Will any payments I make help maximise my pension entitlement?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Investments up to $13250 are not deemed to be an asset and so can help maximise any pension entitlements.

Your investment whatever the amount will not be deemed an asset and so can help maximise any pension entitlements.

There are no asset advantages and so no pension advantages.

Can I pay in one lump sum or do I make regular monthly payments?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

You can make a lump sum payment or regular payments for as little as $25 per month

You can make a lump sum payment or regular contributions generally over a three-year period.

Continuous monthly payments over variable periods, dependent on your age and the selected sum insured.

Are my monthly payments fixed?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Yes. But you can change investment amounts.

Yes

Premiums may be subject to annual increases.

Can I nominate a preferred funeral director?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

Yes

Yes

No

What happens when a claim is made?

Funeral Bond

Pre-paid Funeral Plan

Funeral Insurance

After payment of funeral expenses any excess goes back to your Estate. However, any shortfall must be paid by Estate.

Total amount in fund goes to funeral director. Nothing further to pay.

Investment is paid to your Beneficiary who is at liberty to spend as they please. Expenditure does not have to be a funereal related.

Will my investment be used to pay for my funeral?
Funeral Bond
Your investment must be used to contribute towards the costs of your funeral
Pre-paid Funeral Plan
Investment must be used to meet the full costs of the funeral. The price of your funeral is fixed at today’s prices.
Funeral Insurance
Investment can be spent on anything. It does not have to be spent on funeral related expenses.
Can I specify my funeral wishes?
Funeral Bond
Your wishes can be specified but they do not form a legally binding arrangement.
Pre-paid Funeral Plan
You enter into a legally binding contract with your funeral director of choice. Your wishes must be fulfilled.
Funeral Insurance
You may not be able to specify your funeral wishes.
Who takes the risk that there will be enough money at the time of claim to pay for the funeral?
Funeral Bond
Your Estate
Pre-paid Funeral Plan
Your Funeral Director
Funeral Insurance
Your Estate
What happens if I stop making my regular payments?
Funeral Bond
Any money already paid into the policy remain invested in your name to be used to contribute towards your funeral expenses.
Pre-paid Funeral Plan
No affect if the contract has been paid in full. Nothing further to pay. Price is fixed.
Funeral Insurance
Failure to make one monthly payment may result in your policy being cancelled and you receiving nothing back.
Does the policy have a maximum age restriction?
Funeral Bond
No
Pre-paid Funeral Plan
No
Funeral Insurance
You may not qualify if you are over the age of 80.
If I die from natural causes in the first 12 months of taking out the policy will I still be covered?
Funeral Bond
Yes. Any payments made must be used to contribute towards the costs of a funeral.
Pre-paid Funeral Plan
Yes. If the contract has been paid in full then there is nothing further to pay. Price is fixed.
Funeral Insurance
You may not be covered
Will any payments I make help maximise my pension entitlement?
Funeral Bond
Investments up to $13250 are not deemed to be an asset and so can help maximise any pension entitlements.
Pre-paid Funeral Plan
Your investment whatever the amount will not be deemed an asset and so can help maximise any pension entitlements.
Funeral Insurance
There are no asset advantages and so no pension advantages.
Can I pay in one lump sum or do I make regular monthly payments?
Funeral Bond
You can make a lump sum payment or regular payments for as little as $25 per month
Pre-paid Funeral Plan
You can make a lump sum payment or regular contributions generally over a three-year period.
Funeral Insurance
Continuous monthly payments over variable periods, dependent on your age and the selected sum insured.
Are my monthly payments fixed?
Funeral Bond
Yes. But you can change investment amounts.
Pre-paid Funeral Plan
Yes
Funeral Insurance
Premiums may be subject to annual increases.
Can I nominate a preferred funeral director?
Funeral Bond
Yes
Pre-paid Funeral Plan
Yes
Funeral Insurance
No
What happens when a claim is made?
Funeral Bond
After payment of funeral expenses any excess goes back to your Estate. However, any shortfall must be paid by Estate.
Pre-paid Funeral Plan
Total amount in fund goes to funeral director. Nothing further to pay.
Funeral Insurance
Investment is paid to your Beneficiary who is at liberty to spend as they please. Expenditure does not have to be a funereal related.
Simple Price-Wise Cremations
CALL US: 08 9381 7022
Simple Price-Wise Cremations
CALL US: 08 9381 7022
Home | About Us | Services | Packages | Prepaid Funeral Bond | Flowers | Urns
Crematorium Perth | Death Certificate Info | Testimonials | Contact Us
Home | About Us | Services | Packages | Prepaid Funeral Bond
Flowers | Urns | Crematorium Perth | Death Certificate Info
Testimonials | Contact Us

Barry from Nollamara


Simple Price-Wise Cremations have conducted two cremation services for my family.

On both occasions I found them to be professional, very courteous, efficient and caring.

They prepared and presented a lovely memorial pictorial presentation. I would have no hesitation in recommending SPW Cremations.