Funeral pre-planning: a thoughtful way to prepare

Thinking about the end of your life is never easy, but funeral pre-planning offers something truly valuable: peace of mind for both you and your family. Whether you have clear ideas or simply want to ease the pressure on those you leave behind, planning ahead means your wishes are known - and your family is not left with difficult decisions during an emotional time.

At Whitestone Funerals, we gently guide you through pre-planning a funeral in a way that feels right for you. It does not need to be complicated or confronting. It is simply a way of making sure your choices are honoured and that your family has clarity and support when the time comes.

Why funeral pre-planning matters -  and how it helps your family

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Funeral prepayment options

As part of your funeral pre-planning, you may wish to consider pre-paid funerals. Setting aside funds in advance is a thoughtful and practical step. It helps relieve financial pressure on your family and ensures your arrangements are carried out just as you intended.

At Whitestone Funerals, we can assist you in setting up a pre-payment funeral plan that works for you. There is no set template - the amount you choose to prepay can be based on your preferences, budget, and stage of life.

Whether you want to put aside a small contribution or cover all anticipated costs, we can guide you through the process in plain language.

Flexible and personal to you

Control and flexibility: You decide how much to set aside and can update your plan at any time. Unlike fixed insurance policies, there are no personal questions or health checks required.

Partial or full pre-payment: You may choose to pre-pay for funeral services in part or in full. It is entirely up to you.

Protection against rising costs: While funeral prices can change over time, pre-paying helps you reduce the financial impact on your family.

A practical benefit for later in life

In New Zealand, up to $10,000 placed in a recognised funeral prepayment plan is excluded from asset testing for rest home subsidies. This can help protect your pension eligibility and financial position - and allow your savings to be used where they are most needed.

Secure and trustworthy

All funds are securely held by The Funeral Trust, a respected organisation overseen by the Funeral Directors Association of New Zealand. That means your money is safe, properly managed, and available when needed - whether it is used by Whitestone Funerals or another provider.

Your family is not locked in, and your plans can be adjusted if your preferences or circumstances change.

A gift of peace of mind

Choosing to pre-pay for a funeral is about giving your family one less thing to worry about. It offers clarity, dignity, and real peace of mind.

We can talk you through all your options, with no pressure and no obligation. If you would like to find out more about prepaid funeral plans and how they might work for you, we are just a phone call away. Call Whitestone Funerals on 03 434 8812 with any questions, or to arrange a pre-planning meeting.

A gift for your family

Planning ahead is one of the kindest things you can do. Our free guide,  A Gift for My Family, helps you record your funeral wishes and personal details in one place - easing the burden on your family when the time comes.

Whether you want something simple or more detailed, it is a thoughtful way to give clarity and comfort.

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Book a pre-planning meeting

Whether you are thinking about pre-paid funerals, or simply want to talk through what funeral pre-planning involves, we are here to guide you. There is no cost or obligation - just a relaxed, informative conversation at our Oamaru office or over the phone.

Your plan can be as detailed or as simple as you like, and it can be updated at any time.

Our role is to listen, offer clear information, and support you every step of the way.

You might like to begin with our free guide, ‘Record your funeral wishes’. This is a helpful starting point whether you are preparing for a meeting or planning on your own.

Ready to talk about planning ahead?

Whether you want to record your wishes or set up a funeral pre-planning arrangement, we are here to help. Call Whitestone Funerals to arrange a pre-planning meeting.

Ph (03) 434 8812