Funeral Planning Waverley | Walter Carter Funerals

Minimise the Stress of Farewells in Difficult Times

Walter Carter Funerals pre-planned and pre-paid services makes sense, because it’s a practical way to alleviate the burden on your family and friends at what is an already difficult time.

Make important decisions and arrangements

For your own farewell.

For some of us, the thought of planning our own funeral can be sad, but the key thing to remember is that it doesn’t have to be.

Instead, it should be viewed as a way for you to make important decisions and arrangements on how you will be farewelled, saving your family the emotional burden.

With the support and resources of the professional team at Walter Carter Funerals, you can craft the funeral you want – deciding on the type of service, whether you are buried or cremated, the
type of music played, who gives the eulogy and many other elements of the service.

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Your Funeral paid by you as an investment.

Walter Carter Funerals offers two options for you to ensure your funeral costs are not a burden for those you have left behind. Pre-paid funerals and Funeral Bonds each have specific benefits and the one that is right for you will depend on your individual circumstances.

Funeral Bond

Pre-Pay the Farewell You’ve Carefully Planned

Lock in today’s prices and ensure your goodbye reflects your life, values, and wishes

The team at Walter Carter Funerals has a wealth of experience offering compassionate and professional support to those who want to explore pre-paid farewells. They will help you
understand your choices by guiding you through the process, ensuring clarity and care every step of the way. Pre-paid farewells offer both you and your family peace of mind—you benefit from the knowledge that your family can commemorate your life and begin the grieving process without the added stress of planning everything, while your family knows your farewell is exactly how you envisioned it.

In addition, the amount you pay for your pre-planned farewell is held independently of Walter Carter Funerals by Foresters Financial, ensuring the funds are securely invested and safeguarded in accordance with the Funeral Funds Act 1979 until they are needed. A conversation with your financial advisor may be helpful before making a decision.

Is Pre-Paying Right for You?

Pros and Cons, Clearly Explained

PROS OF PRE-PAID FUNERALS

Costs are fixed, so you can pre-pay for the funeral you want at today’s prices.
Your money is securely invested in compliance with strict government guidelines.
You make the choices you want for your funeral.
You can pay in a lump sum or by instalments. If you pay by instalments, you have up to three years to pay in full.
You are not locked into a particular funeral director. The pre-paid contract is transferable.
A pre-paid funeral can be cheaper than a funeral bond or funeral insurance if you live longer than another five to 10 years.
The amount you pay for the pre-paid contract will be exempt from any asset and income means testing when assessing eligibility for the aged pension.

CONS OF PRE-PAID FUNERALS

If you change your mind about the pre-paid funeral, you will generally forfeit the administrative set-up fee and be charged a small exit fee.
If you pay in instalments, the pre-paid contract is not claimable until the final payment is made. This means if you die before the contract is paid in full, any funeral costs will be payable at current prices less the amounts already paid against the pre-paid contract.

Understanding Funeral Insurance

What it is and what to consider before committing

Funeral insurance involves paying regular premiums—weekly, fortnightly, or monthly—for a fixed payout that goes to your nominated beneficiary when you die. Unlike saving for future funeral
costs, you’re buying insurance to cover them when the time comes. It’s different from other types of insurance where the event may never happen; death is inevitable, but its timing is unknown.

Because of that uncertainty, it’s important to consider whether you can afford premiums over the next 10, 20 or more years. Some policies increase in cost as you age, and if you stop paying, the policy may be cancelled with no refund. Always read the Product Disclosure Statement carefully and speak with a qualified financial advisor before committing.

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Is Funeral Insurance Right for You?

Understanding the advantages and drawbacks before you decide.

PROS OF FUNERAL INSURANCE

You will be covered from day one, however most policies only cover accidental death for the first year or two.
Insurance is a familiar product and may suit you if you aren’t sure you can save a sufficient amount for your funeral costs.

CONS OF FUNERAL INSURANCE

Premiums may increase over time. This means that what may have started out as a more affordable option becomes expensive, especially if you are living on a fixed income.
If you can no longer afford to pay the premiums or cancel your policy, you’re unlikely to receive a refund of the premiums you’ve paid.
If you live for longer than an expected number of years, you may end up paying more in premiums than the cost of a funeral.
Most insurers only cover accidental death in the first year or two of the policy, so if you die from another cause during this period you may not be covered.
Sometimes it can take a while for the beneficiaries of the policy to receive the insurance pay-out to cover the funeral expenses.

Craft a PrePaid Farewell

That’s Authentically You