Ottawa · Ontario · Canada
Funeral and final expense plans that spare your family the bill
Ontario funerals commonly start between $5,000 and $15,000, with payment due within days. A funeral funding plan sets that money aside so your family does not have to.
- 1 to 20 years
- to pay, or a single payment, whichever suits you
- Wide eligibility
- plans for many ages and health situations
- No medical exam
- No bloodwork, doctor's visit, or needles. Some plans ask basic health questions.
What exactly is this?
It is an insurance-based financial product called and annuity that has been designed to fund funeral and final expenses ahead of time, so your family does not have to find the money when you pass.
Pay over 1, 3, 5, 10, 15, or 20 years, or once. An insurance component pays out the full value of the policy if you pass away early. Most plans provide coverage from the first payment.
The plan grows with interest. The benefit typically pays your chosen funeral home first, then a named beneficiary, bypassing probate.
Plans suit many ages and health situations, with no medical exam. A planning guide records your wishes for your family.
Looking for more than a funeral plan? I also write term, whole life, and children's policies.
Starting earlier makes the same coverage cheaper. See why ages 20 to 50 is a smart window to start.
What a plan can cover
- Funeral home services and the director's fees
- Burial, cremation, and cemetery expenses
- A monument, marker, or headstone
- Flowers, the luncheon, and the reception
- Death certificates and estate paperwork
- Donations, and travel costs for family coming to say goodbye
- Repatriation to another city, province or even your home nation
- Legacy gifts for your children or grandchildren
Some families add a small cushion. I will explain the plan limits.
Why Ottawa families set this up early
The bills come fast
Funeral homes usually expect payment before or shortly after the service.
Inflation protection
Plans grow over time to help offset rising funeral costs. Growth varies by plan.
Sheltered and tax-advantaged
Money inside the plan is generally protected from outside claims and may be paid out tax-free.
Protected for life
Assuris protects eligible Canadian policies in case of insurer insolvency.
Simplicity when it counts
Your funeral director handles the plan details, reducing work for your family.
No one has to guess
Written, funded wishes spare your family budget arguments and borrowing.
Beyond the funeral itself
A few options most people don't know exist until we sit down together.
Worldwide travel plan
May cover bringing you home after a death while travelling, plus next-of-kin travel when eligible. Terms and payment options vary.
Final document aftercare services
Help with notifications, benefit claims, identity protection, and eligible account refunds.
What it costs
Cost depends on age, coverage, and payment term. Most Ontario clients choose $10,000 to $20,000, paid over 1 to 20 years or in one payment.
Quotes are free, with no obligation.