As MFP is a regulated funeral benefit fund, funds up to $5,000 in each fund are exempt from social security. With this in mind, we only have one plan owner and if there is a requirement to plan for more than $5,000 to be saved, then the excess is in a second fund. There are currently moves to have the Federal Government increase this limit to at least $7,500 to cater for the increasing costs of funerals, mainly burials.