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Frequently asked questions

As with any financial institution we know there are always questions regarding insurance to assure peace of mind in terms of your investment.

The importance of funeral cover arises when a funeral must be arranged. It should be a necessity for every individual; especially when you are providing for your loved ones. Funeral insurance will relieve the financial burden of funeral costs on your loved ones.

When considering funeral insurance you cannot leave anything to chance and you should go with a reputable service provider that you are familiar with. Do not choose the cheapest option available to you. Make sure that they are a trusted company and that you won’t have any unnecessary delays when you need peace of mind.

No, in South Africa it is advisable to take out Funeral Insurance in addition to Life insurance. The main reason would be that life insurance may take time before settlement, and the funds will be paid to the beneficiary or estate. The family will be responsible to settle the funeral costs before funeral takes place.

You can apply for Funeral Insurance online at or contact us directly on 0860 10 90 87. Answer a few simple questions and you may be able to get insured the same day. There is no medical examination required, a simple application form, and instant approval for those who qualify. We provide cover for new members up to the age of 85 years.

The premium is calculated in accordance with your age and the amount of cover needed. Get a quote here now!

Claims can be paid out within 48 hours after all the necessary documentation has been submitted to the underwriter.

Unfortunately, If no payments are received the policy will lapse after 30 days. You will not be able to claim against the policy – but you can reinstate your policy at a later stage when financially possible. The waiting period will commence again from the reinstatement date.

No, unfortunately the cover is only payable with the death of one of the members covered on the policy. Terms and conditions apply.

Death due to unnatural causes is covered immediately and death due to natural causes is subject to the prescribed waiting period.


Natural death

A death by natural causes is one that is primarily attributed to an illness or an internal malfunction of the body not directly influenced by external forces. It is related to diseases and the process of aging. Examples of death by natural causes are heart attacks, cancers, pneumonias, strokes, etc.

Unnatural death

A death by unnatural causes is due to external causes. It includes death due to intentional injury, such as homicide or suicide and death caused by unintentional injury in an accidental manner, such as motor vehicle accidents. Hence it would include events such as:

  • Accident
  • Execution
  • Homicide
  • Misadventure
    • being attacked by insects, reptiles or wildlife
    • adverse outcome of surgery (note that this is not failure of surgery)
  • Suicide
  • Terrorism
  • War
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