Planning for the inevitable is one of the most thoughtful gifts you can give your family. Final death expense coverage from North Star Funeral Services allows Montreal residents to pre-fund their funeral arrangements today, sparing loved ones from financial pressure and difficult decisions during an already painful time. It is a simple, affordable way to ensure your final wishes are honoured exactly as you envision them.
Our final death expense coverage lets you select the services you want and lock in today’s prices through a regulated trust account or a dedicated insurance policy:
Funds are protected under Quebec law, fully refundable under specific conditions, and cannot be used for anything other than the services you have chosen. When the time comes, a single phone call activates the plan, and North Star takes care of the rest.
Families across Quebec choose this option because it provides three powerful benefits at once: financial protection against rising funeral costs, emotional relief for surviving loved ones who would otherwise face hundreds of decisions in the middle of grief, and the personal satisfaction of knowing that every detail reflects your own wishes rather than guesses made on your behalf.
We understand the hesitations. Is it safe to pre-pay? Yes — Quebec regulates pre-need trust accounts strictly, and your funds are protected. What if I move? The plan can usually be transferred. What if my wishes change? They can be updated at any time. Our advisors answer every question clearly, without pressure, and at your own pace, whether in our office, at your home, or over the phone.
We offer flexible payment terms, including lump-sum and monthly instalment plans tailored to what fits comfortably within your family budget. Arranging your own farewell is an act of love toward the people you will leave behind. It removes uncertainty, prevents financial strain, and lets your family focus on grieving and remembering rather than organising. North Star Funeral Services is available 24 hours a day, 7 days a week to walk you through your options with warmth, honesty, and complete transparency.
Select every detail of your farewell
Guaranteed at today’s rates
Funds protected under Quebec law
Lump sum or monthly instalments
Under specific conditions
Moves with you if you relocate
Family calls, we handle the rest
No financial burden on your loved ones
Funds set aside in advance so funeral costs never fall on your family at the hardest possible moment.
Amounts deposited under a prearranged funeral services contract are held in trust, and Retraite Québec’s guidance on steps after a death explains the death benefit your estate may also claim.
Our advisors review coverage amounts against real, current costs — the service, cremation or burial, urn or casket, notices — so the plan you choose actually covers the day it is meant for. Consultations are free, bilingual, and without obligation.
You can arrange coverage for yourself or for a loved one, with amounts tailored to the kind of service you have in mind — your advisor helps you size it realistically.
Services set out in a prearranged contract are locked at today’s prices, with deposits held in trust under Quebec law — and we can review your coverage periodically.
