Prepaid vs Funeral Insurance Calculator

Compare a Prepaid Funeral vs Funeral Insurance

A prepaid funeral plan can save you money

Our online calculator lets you compare the cost of a prepaid funeral plan against a funeral insurance policy in a few easy steps.

Click and compare my costs now

3 reasons a prepaid funeral could save you money

1. Locking in costs at today's prices - it's a fixed price funeral and you avoid rising costs
2. No ongoing payments - once paid in full there are no other costs
3. Pay in instalments or upfront - you don't need to have the full sum available today

Get started today

Give us a call to get started today, or let our experienced prepaid consultant phone you by requesting a call back:

1800 636 660        or        Request a call back


The Calculator

Compare funeral costs of a prepaid funeral plan, funeral insurance and no protection in a few simple steps.

Please note: the figure of $6,000* is for comparison purposes only. As there are a wide range of funeral choices, your Prepaid Funeral Plan may be less or more expensive based on the choices you make.

My Details

Enter your age and gender to access your personalised comparison.


Funeral Scenario

Here you can review the default values we use for our comparison or tailor the scenario to your funeral needs.


Insurance Policy Details ^

Here you can review the default policy we use for the comparison or enter your own policy details to further personalise your comparison.


My Results^^^

Your results are based on the choices you have made in the Calculator and compare the cost between a Prepaid Funeral, Funeral Insurance or No Protection.

Funeral Insurance

Premiums to pay over the next # years ***


No Protection

One off payment in # years **


Extra to pay with a Prepaid Funeral ^^ $0

Extra to pay with Funeral Insurance $0

* The default figure of $6,000 is for comparison purposes only. This value is an estimated average based on the Council on the Ageing estimates ( As there are a wide range of funeral choices, your Prepaid Funeral Plan may be less or more expensive based on the choices you make.

^ Funeral insurance figures are based on the assumptions made in the Rice Warner Actuaries Report, April 2015, Pre-Funding Funerals. For a copy of the report please contact our Prepaid Funeral Consultants.

# The guarantee assumes the funeral insurance benefit payout will be the greater of the premiums paid or the sum insured amount. 

***The default cover amount and funeral insurance results take into account your life expectancy, the effects of inflation, and the type of funeral insurance product detailed in the Review/Edit insurance details section. 

^^^ The calculations and results produced by the calculator are for illustration purposes only and are not intended as a substitute for any specific financial advice you may obtain. You should not make any financial decisions based on this calculator without first consulting your licensed financial adviser.

** This figure is based on the effects of inflation, given the purchase of a funeral at the time of your death (calculated based on the assumption you die at your life expectancy).

^^ The cost of a prepaid funeral will vary depending on the inclusions within the agreement. Any services required in addition to the original agreement may incur extra costs.