Presented by
Alfred Daltaire Memoria


over 25% of Quebeckers now deceased had signed funeral prearrangement contracts before their death. And it is a growing trend. People don't want to saddle their loved ones with onerous, last-minute organization and the sometimes difficult sharing of costs.

(Translated from Protégez-vous magazine, January 2009)

What is a prearrangement?

The prearranged funeral services and sepulture (interment/inurnment) contract, commonly called a "prearrangement," is a contract entered into with a living person, whereby funeral services are provided to that person upon or in connection with his or her death, in consideration of partial or total payment of these services before the death.

Only those holding a funeral director permit provided by the Ministère de la Santé et des Services sociaux have the right to conclude a prearrangement contract for funeral services and burial.

Funeral planning involves a number of decisions: a viewing of the body or cremation, choice of a casket or urn, flowers, donations, reception, funeral cortège, celebrant or church service, commemorative bookmarks, newspaper obituary, music, songs, etc. To ensure the peace of mind of the family, all these details can be included in a prearrangement contract. The prearrangement counsellor at the funeral home acts as a guide who can direct the client towards the services and products that fit the type of funeral desired.

The pre-purchased sepulture contract is a contract for the purchase of a right to use or for the purchase of maintenance services for a sepulture intended for the remains of one or several persons not deceased at the time of the purchase, in consideration of total or partial payment before the death. It could be a niche in a columbarium or funereal recess (or crypt) in a mausoleum.

At the time the prearrangement contract is signed, the client designates people to be contacted at the time of death. A number of funeral homes also provide contract holders with plasticized cards containing the contract number and the telephone number to call after their death that they can give to their loved ones. If the contract was paid in full at the time of the death, the family has no additional amount to pay for the services included in the prearrangement.

To begin thinking about these questions, offer you an interactive form to define different choices regarding funeral services.


Funeral prearrangements are a secure way to avoid putting your loved ones in a complicated financial situation at the time of your death. Much more beneficial than death insurance thanks to inflation-proof investments, our funeral prearrangements will allow you to plan your own funeral to ensure that all decisions will be carried out the way you want. Payment terms are flexible and you have the freedom to change or cancel the contract anytime.