Prepaying

Pre-Paying a funeral, cremation or memorial serviceWhen you pre-pay, you get the peace of mind that comes with knowing that the money needed for your final arrangements has been set aside. You can also feel good about providing such a responsible and caring gift for those you leave behind.

The price of death care services increases over the years due to inflation, just like anything else. When you pre-pay with Alternatives, you lock in today's price for services and merchandise to be provided in the future, regardless of inflation.

At the time of a death, funeral homes require immediate payment, but death benefits can take months to receive. Pre-paying your final arrangements now ensures your family will not have to pay out of pocket themselves at this difficult time. Your pre-payment ensures that funds are available the moment they are needed.

Our payment plans allow a one-time lump sum payment or flexible time payments over 1 to 20 years with no interest or financing charges.

The person who purchases the pre-arrangement is always in control of the money, which makes us different from other funeral homes. If you decide to cancel your plan with Alternatives, we will refund 100% of what you’ve paid, plus accrued interest, without penalty. Likewise, this also makes us different from other funeral homes

Your money is safe and secure with Assurant Life of Canada, our insurance underwriter. Assurant is rated as “Excellent” by the A.M. Best Company, the oldest, most experienced insurance rating agency in the world. Your pre-funded plan is also protected by Assuris, an organization endorsed by the federal government. Alternatives uses insurance to protect your pre-need funds as opposed to trust accounts. This ensures you have maximum flexibility and control over your money, and that your funds are available immediately upon the time of death.