A Death Has Occurred - The Next Step                                                                           26 Nihan Drive, St. Catharines, Ontario, L2N 1L1
info@CCBSCares.ca                            Phone: 289-362-1144          Fax: 289-362-2273          (between Lake Street & Scott Street)
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Benefits Of Pre-Arranging

Types Of Contracts Available For Pre Arrangements

Guaranteed Vs Non-Guaranteed Contracts

Guaranteed – the price the day the contract is written covers the services and merchandise when the death occurs in the future with no increased cost to the consumer for the items listed on the contract so long as the contract has been either been paid in full. This locks in today’s price for future need.  If paid in installments, payments are not in arrears, and reached the insured status and death occurs the insurance aspect will cover off the balance of the payments. If the death occurs prior to reaching the insured status the funds are used as a deposit against the current charges. When funds are placed into a Guaranteed Contract and as long as the items listed are used when services are rendered and not changed those funds cover all costs listed on the Guaranteed Contract. If services are changed drastically then the funds are simply deemed to have been a deposit/payment. We only offer Guaranteed Contracts for pre-paying options as we act with the highest integrity in the best interest of our clients. 

Non-Guaranteed – the price the day the contract is written covers the accrued value of those funds and it is simply considered a deposit against the services and merchandise when the death occurs in the future with no benefit of deferring potential increased costs. The services and merchandise selected would be priced out at that current charges and these funds would be applied as a deposit with nothing more than a savings account mentality. When dealing with a Non-Guaranteed contract there is no option to select an insurance covered purchase. Other providers in the area offer Non-Guaranteed Contracts.
benefits to pre-arranging shaking hands

The Easiest Way To Explain Pre-Arranging As A Financial Benefit:

Once funds are placed toward a Guaranteed Contract it starts to accrue value. When services are required those funds are released from the investment company to the funeral provider to cover the costs. The following examples are based upon the accrued value of the the pre-paid funds while they are invested. For this example, a $3,000.00 pre-paid contract will be used as purchased services were needed years later and those services at that time were valued at $3,800.00. There are two ways this works in favour of the client. The first if that the investment only gained $500.00 for a total of $3,500.00. We would provide all services & merchandise included in the initial purchase of the pre-paid contract and not invoice the family/estate for the short fall of the $300.00. The second is the that initial investment gained $1,100.00 for a total of $4,100.00. We would provide all services & merchandise included in the initial purchase of the pre-paid contract and would refund the family/estate for the overage of the $300.00. From these two possibilities, you are easily able to see the benefits of purchasing a pre-paid contract.


Our pre-arranged contracts are held with TruStage Life of Canada and are fully insured; similar to bank deposits are in the best interest of the consumer. This is done in the event that the desired provider closed their business or the purchaser moved away and wished to transfer their arrangements to another provider in their new community.  We have the ability to accept pre-paid arrangements that are currently in place with another provider.  If you wish to transfer your arrangements to our facility please feel free to contact us.


All funeral service providers in Ontario are required to invest the funds in this type of manner.


There is no cost or obligation to gather information about pre-arranging services.

The Steps Involved In The Pre-Arrangement Process Start The Process Of Reviewing The Required Information & Options Available
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