Pre-Planning Your Funeral in New Zealand

Pre-Planning Your Funeral: A Thoughtful Gift to Your Family

Why Pre-Plan Your Funeral?

Benefits for Your Family:

• Reduces emotional burden during grief
• Eliminates guesswork about your wishes
• Prevents family disagreements
• Provides financial protection

Benefits for You:

• Ensures your wishes are honored
• Locks in today's prices
• Peace of mind
• Time to make thoughtful decisions

What to Include in Your Pre-Plan

Service Preferences:

• Burial or cremation
• Type of service (religious, secular, celebration of life)
• Location of service
• Specific music, readings, or tributes

Products and Services:

• Casket or urn selection
• Flowers and decorations
• Transportation requirements
• Reception arrangements

Funeral Pre-Payment Options

Funeral Insurance:

• Monthly premiums
• Guaranteed acceptance
• Benefit increases over time
• Family receives cash payment

Pre-Paid Funeral Plans:

• Pay directly to funeral home
• Services guaranteed at contracted price
• Protected by Funeral Directors Association
• Can be transferred to other providers

Funeral Bonds:

• Investment product
• Capital protected
• Centrelink exempt (up to limits)
• Funds released upon death

Legal Considerations

• Include funeral wishes in your will
• Inform executor and family of plans
• Keep documents easily accessible
• Review and update plans regularly

How to Start Pre-Planning

1. Contact local funeral homes for information
2. Compare services and prices
3. Discuss options with family
4. Make your selection and arrangements
5. Document everything clearly