Guiding consumers since 2009

Funeral Cover

Having funeral cover in place is crucial. It may not ease the pain of losing your loved one, but it can help alleviate the financial burden that comes with it, allowing you to grieve your loved one in peace.

Fill in the form below to get a funeral cover quote.

Questions you should ask when choosing funeral cover

  • What is the waiting period on my funeral policy?
  • Are there cancellation fees and/or penalties?
  • What is the annual percentage increase?
  • Does the cover allow me to use the funeral parlour of my choice?
  • What will happen if the parlour goes out of business?
  • What will happen when I can no longer afford my premiums?
  • Will my insurance cover the cost of transporting my body if I die in another country?
  • Will the policy pay out if I insure someone who’s already insured by the same insurer?
  • Will the policy pay out if I have outstanding premiums?
  • How many policies am I allowed to take?
  • How easy is it to cancel my policy?
  • How long will my policy take to pay out?

Factors affecting your premiums

Age: Your age, and that of your co-insured, plays a significant part in the cost of your funeral cover. The older you are, the higher your premiums will be.

Number of people insured: The more people you insure, the more money you’ll pay.

Features and benefits of the cover: the more benefits your funeral cover has, the more you’ll pay. For instance, if your cover includes benefits such as groceries, cash back, and transportation from another country, the cost will be more than a policy without these additional benefits.

Advantages of funeral cover

There is no underwriting with funeral polices, hence insurers cover you from the moment you sign up. However, for suicide and natural death you’ll generally have wait for a certain period of time before you can claim. With suicide, it’s usually six months and with natural death, it’s usually 12 months.

Funeral cover is affordable; you could pay as little as R20 per month. Do remember however that the lower the premium is, the lower the level of cover and benefits will be.


Guides

The guide below helps to explain funeral cover. If you still have questions after reading the guide, ask our funeral cover expert or you can also visit our FAQ page.

Related Articles

Featured Everything you need to know about wills

Death can leave a lot of confusion and chaos. What happens to your possessions when you die can have a profound effect on those you leave behind. But you can soften the impact by drawing up a will.

Read more

Can you answer these 5 awkward questions about funeral cover?

Talking about the passing of a loved one can be uncomfortable, not to mention discussing your own demise. This is normal, but it can get in the way of you finding out the facts of funeral cover. It’s so important to understand the financial products you pay towards each month.

Read more

The 411 on funeral costs

You might not want to consider this while you’re in the prime of your life, raising your children, or planning towards something special, but death is inevitable and planning for funeral costs necessary. In these uncertain times anything can happen, and you wouldn’t want your family to be financially exposed.

Read more

Additional funeral cover benefits unpacked

Insurance companies sometimes offer additional benefits along with their funeral policies. These benefits can be optional or built into your cover. But do you know what these benefits entail?

 

Read more