Sureplan Gold

Sureplan Gold will help you accumulate the funds to meet the costs of the inevitable - your funeral.

As Sureplan Gold is a¬†funeral bond, you will be unable to withdraw your funds after the initial 30 day “cooling off” period.

Why should funeral preplanning be an option?

There are many advantages in planning ahead and obtaining a funeral bond. This includes:

  • Your own peace of mind knowing that you have responsibly faced this issue by organising to fund your funeral yourself. Your family therefore will be spared the additional stress of, within a few days of your death, finding the funds to pay for your funeral
  • Pension Concessions - if you are an Income and Asset Tested Centrelink or Veterans' Affairs pensioner you could maximise your pension through investing in Sureplan Gold Funeral Bond (see below).

A simple and effective funeral saving plan!

Sureplan Gold is a secure funeral bond investment fund and is much the same as any other investment fund, except that you cannot withdraw any funds after the initial “cooling off” period. Proceeds can only be paid on your death to your nominee, on behalf of your estate, or to an assignee funeral director when your Sureplan Gold policy was associated with a prepaid funeral contract.

How it works!

  1. You contribute amounts either as a lump sum or by regular payments.
  2. A bonus (based on fund earnings) may be allocated to your investment annually.
  3. On your death, your contribution and bonuses are paid to your nominee to help pay your funeral costs. If a member dies within twelve months of joining, any bonuses previously allocated will not be paid.


  • Investment security - As the preservation of your funds is the primary objective of Sureplan Gold, the assets of the Fund are currently invested in cash and low risk securities. The actions of the Society are regulated by the Australian Prudential Regulatory Authority (APRA), and the Australian Securities and Investments Commission (ASIC).
  • Fast claims - Sureplan Gold Funeral Bond pays your nominee your funeral benefit (the accumulated contributions plus bonuses) within 1 working day of the notification of your death.
  • Low cost - there are no entry or exit fees.
  • Investment Returns - A bonus may be allocated to your bond annually, based on the earnings of the Fund. For the 2020 and 2021 financial years the Fund returns were 1.00% p.a. and 0.8% p.a. respectively. The allocation of annual bonuses is not guaranteed and past performance is not necessarily a reliable indicator of future performance.
  • Flexibility - A Sureplan Gold policy can be commenced with as little as $50 and have regular contributions from $50. You also can at any time replace your nominee with another person or organisation.
  • Pension Advantages - Sureplan Gold is exempt from both the Income and Assets test for Centrelink and Veterans' Affairs pensioners, providing no more than two funding arrangements are held and together they do not exceed the maximum eligible investment threshold. As of 1 July 2023 the maximum eligible investment is $15,000 and this amount is CPI indexed annually.

The original objectives are still relevant

In 1935, with the foresight and assistance of some employees of the then PMG's (Postmaster General's) Department, Sureplan commenced the fund now known as the Sureplan Family Fund. It was established to assist Public Service employees and their families meet the cost of a funeral, particularly if that expense occurred when most if not all of the available family income was committed to raising and educating their children. While the original purpose remains valid today, membership for that Fund is restricted to people between the ages of 1 and 55 years. Therefore, in July 1998 a new product Sureplan Gold Funeral Bond was introduced to provide a mechanism for people over 55 years of age to provide for their funeral plans.

Today Sureplan Friendly Society Ltd has more than 29,000 members and nearly $170M in assets. It prides itself in being a caring entity for its members' benefit.

Due to the current low interest rate environment Sureplan Family Fund is not accepting applications from new members or existing members wishing to increase their amount of cover.

For more information on our services please either call 1800 817 105 or email today.


Download Sureplan Gold Application Download Sureplan Gold Application 1889K

Download Direct Debit Authority Download Direct Debit Authority 68K

Download Client Care Statement Download Client Care Statement 201K (Queensland Residents Only)

Download Change of Details Form Download Change of Details Form 81K

Download Power of Attorney Declaration Download Power of Attorney Declaration 196K

Download Target Market Determination for Sureplan Gold Download Target Market Determination for Sureplan Gold 173K