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Guardian Plan and My Tributes logo

BBQ.
Bagpipes.
Star Wars.

Your farewell, your way.

Man playing Bagpipes
Guardian Plan and My Tributes logo
Man playing Bagpipes

BBQ.
Bagpipes.
Star Wars.

Your farewell, your way.

 
 
 
Grandpa with Granddaughter

Pre-plan your funeral.

No one knows you like you. So when it comes to your funeral, it makes sense to pre-plan so you can get every detail just the way you want it.

With Guardian Plan, you'll get a locked in price, your choice of over 250 funeral homes in our network and the chance to go out your way.

  • Get every detail just how you want it
  • Save your family stress
  • Lock in today’s prices, no more to pay
  • Accepted at 250 funeral homes
  • APRA-regulated
  • Save money on insurance

Pre-plan your funeral.

No one knows you like you. So when it comes to your funeral, it makes sense to pre-plan so you can get every detail just the way you want it.

With Guardian Plan, you'll get a locked in price, your choice of over 250 funeral homes in our network and the chance to go out your way.

  • Get every detail just how you want it
  • Save your family stress
  • Lock in today’s prices, no more to pay
  • Accepted at 250 funeral homes
  • APRA-regulated
  • Save money on insurance
 

250 Funeral homes in our network

 
Logos

250 Funeral homes in our network

 
Logos
 
 
 
 
 
 

Frequently asked questions

What does a Guardian Plan include?

You can choose what you include in your Guardian Plan prepaid funeral. See details.

What happens to the money I pay?

Guardian Plan bears the investment risk associated with your funds, not you. The funds are invested with The Over Fifty Guardian Friendly Society Limited. The Society appoints investment managers with appropriate expertise to manage the investments of the funds, in accordance with guidelines established by the Society, regulated by APRA.

You can rest assured your money is held safely until the time comes for your funeral to be finalised, and the services will be provided according to the wishes you set out in the contract.

Can I pay by instalments?

Yes. Once you agree the price of your Guardian Plan prepaid funeral, you can either:

  • pay in full; or
  • pay an initial 30% contribution, followed by monthly instalments over 36 months.

You may authorise a direct debit against your bank account so the payments happen automatically.

If the Guardian Plan is required before the instalments are fully paid, then provided your payments are up-to-date, Guardian Plan can ensure the payments are put towards the agreed funeral. Any shortfall will be payable to the funeral director at that time.

Can I cancel my Guardian Plan?

Guardian Plan invests your funds with The Over Fifty Guardian Friendly Society Limited on your behalf. You are entitled to cancel the Guardian Plan within 30 days, or such other period as required by legislation, of receiving the Society’s Policy Confirmation Letter.

After the Cooling Off Period you cannot cancel or reduce the services written in the plan, and the money can only be used to pay for funeral expenses.

Will the cost of my Guardian Plan ever increase?

No, you and your family are protected against inflation.

Will my pension be adversely affected?

No, your Guardian Plan is exempt from both the assets test and deeming rules. Entering into a Guardian Plan may help you qualify for the pension or increase your part-pension, if you meet the ATO criteria. Please ensure you read the disclosure document and seek advice prior to making any decisions.

Will prepaying a funeral service affect my personal income tax position?

No, your prepaid funeral plan benefits come free of any personal tax implications.

Is there a waiting period or accidental death restriction?

No, once paid in full, the Guardian Plan will be provided in accordance with your wishes. If the plan is required before it is paid in full and the instalment payments are not in arrears, our policy is to invite the family to finalise payment. This will ensure you receive the full benefits as per your plan.

What if I move?

If you move interstate you can transfer your Guardian Plan to another one of our accredited funeral homes in more than 250 locations across Australia. Find your closest accredited funeral home.

Please note prices cannot necessarily be guaranteed on a transfer, as there are price differences between states. The funds you paid are required to stay in the secure investment you have arranged and can be accessed by the new funeral director at the time of the funeral.

What if repatriation is needed?

Guardian Plan can arrange repatriation from anywhere in Australia to your nominated funeral director so your funeral can take place where you intended. A Travel Protection Plan covers additional funeral-related costs which are incurred when death occurs whilst travelling away from the normal place of residence. (Subject to terms and conditions contained in the Guardian Plan contract.)

Pre-arranging a memorial

If you have prearranged your funeral, which covers your funeral service needs, it makes sense to consider prearranging your memorial too. Prearranging a memorial means you secure a permanent memorial type and position in a memorial park cemetery or garden, and pay for it at today's price.

Call us on 1800 220 888 and we can recommend beautiful nearby Memorial Parks.

 
 
 
 
 
 
 

Why plan ahead

Lock in today's price

We offer payment plans of up to three years and no hidden costs.

Rest in peace of mind

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

Don’t let us tie you down

While the price is locked in, if you move, your Guardian Plan prepaid funeral can be transferred to 250 funeral homes across Australia.

Lock in today's price

We offer payment plans of up to three years and no hidden costs.
 
 
 

Rest in peace of mind

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

Don’t let us tie you down

While the price is locked in, if you move, your Guardian Plan prepaid funeral can be transferred to 250 funeral homes across Australia.

 
 
 
 
 
 
 
 

The whole experience from initial meeting to set up Mum's prepaid funeral to organising her funeral nearly 3 years later was professional and caring. I felt supported through the process, yet provided space to make decisions. The support provided in the organisation prior to Mum's funeral, on the day and after was sincere and professional. The day of the funeral was a great celebration of Mum's life and added to the many wonderful memories I am thankful to have.

D Risti (July 2022)

The whole experience from initial meeting to set up Mum's prepaid funeral to organising her funeral nearly 3 years later was professional and caring. I felt supported through the process, yet provided space to make decisions. The support provided in the organisation prior to Mum's funeral, on the day and after was sincere and professional. The day of the funeral was a great celebration of Mum's life and added to the many wonderful memories I am thankful to have.

D Risti (July 2022)

 
 
 
 
 
 
 

Benefits of a Prepaid Funeral Plan

 
Guardian Plan Table
Grandparents with Grandchild
Grandparents with Grandchild

Benefits of a Prepaid Funeral Plan

 
Guardian Plan Table

Guardian Plan is a prepaid funeral plan provider. A prepaid funeral plan enables you to prepay your selected funeral services for a future funeral at today's prices and is a good alternative to funeral insurance.

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