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About

Make a plan, it's a safe bet

Pre-planning your funeral gives you the opportunity to pay in advance and remove the financial burden from your loved ones when it comes time to say goodbye.

Guardian Plan allows you to agree a cost for your funeral at today’s prices, which may save you thousands. And while the price is locked down, you’re free to move. Your Guardian Plan prepaid funeral can be transferred to over 240 locations around Australia.

What are the benefits of pre paid?

A Guardian Plan pre-paid funeral won't only give you peace of mind, it can also save you money with our lock-in price that won't change with inflation. The price depends on what you choose for your funeral. Most people spend around $6,000 - $15,000.

Lock in price

We believe everyone deserves to say goodbye with respect and dignity, regardless of their financial situation. That’s why we’re helping Australians secure today’s prices, for tomorrow’s funerals.

Flexible Payment

While your initial cost will depend on your inclusions, there are no additional fees once you've paid in full. You can pay in full or pay an initial 30% contribution, followed by monthly instalments over 36 months. The choice is yours. Monthly instalment payment is not available for packages, full payment is required at the time of arranging your pre-paid funeral.

Simple paperwork

You can expect a straightforward and quick application process, with no extensive paperwork or health checks required.

Tailor your plan

A prepaid funeral means your loved ones won’t have to worry about making the right decision. It’s a simple way for them to say goodbye in a way that reflects you, your life and your budget.

Pension and entitlements

The Australian Government uses asset tests to determine pension entitlements for a retiree. As Guardian Plan is exempt from these tests, it’s a simple way for seniors to maintain their current age pension benefits.

Security

All payments are held securely by The Over Fifty's Guardian Friendly Society, under APRA regulation.

Proudly part of InvoCare. InvoCare is a leading provider of funeral services in Australia.

Guardian Plan is a funeral bond issued by the Over Fifty Guardian Friendly Society Limited (the Society) ABN 81 087 649 063 AFSL 524353.

Advisors & Professional Services

• Available across Australia

• End of life
• Retirement planning
• Estate planning

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