Simple Price-Wise Cremations: Perth Low Cost, Affordable and Budget Cremations

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 1^st 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 1^st 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.