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Funeral cover or funeral insurance is a type of insurance which pays out a lump sum when you, the beneficiary, pass away. You can also purchase a family funeral plan, sometimes referred to as extended cover, which pays out a lump sum in the event of the death of your partner/spouse, your child/children, and/or any other family member that you have chosen to cover with the policy. The money paid out is intended to help with the cost of the funeral.

There are few things in life as tragic and heartbreaking as an unexpected death in the family. This trauma is only compounded if, while trying to come to terms with their loss, the family has to deal with the cost of arranging a funeral to honour the memory of their loved one as well.

Did you know that South Africa has, on average, some of the highest funeral costs in the world? A funeral can be financially ruinous if you aren’t expecting it, or if your late loved one hasn’t made provision for it. Depending on your family tradition or custom, the costs could pile up into tens of thousands of rands, if you include the undertaker’s fee, buying the burial plot and more. This is a steep cost to bear out of pocket!

A funeral policy helps you cover these costs by giving you a lump sum payout when the named beneficiary of the policy dies. These payouts are typically faster than other types of insurance, like life insurance, which means funding the funeral is the one thing you don’t have to worry about at this time. Depending on the funeral cover policy, payouts can include airtime, flowers, catering and tent hire, among other necessities.

Life insurance is based on an individual’s profile and needs, which comes with complex underwriting requirements, making it comparatively more expensive. Funeral cover doesn’t have this problem. Thus funeral cover is cheaper and easier for you to get compared to life insurance. However, most funeral cover policies will have a waiting period for natural deaths of 6 to 12 months, so if you’d like a funeral cover with no waiting period, you need to specify this need.

No, we do not. Your details are held securely and we do not share or sell your details to any 3rd parties. As South Africa's go-to for free funeral insurance quotes, we pride ourselves in treating customers fairly (TCF) and protecting your data and the way we deal with you.

No, you're under no obligation at all. After choosing a brand's online quote, you will simply get an obligation-free call from a consultant from that company to find out more about their offer. They will also help to arrange your cover and requirements thereof over the phone if you do choose to continue with them.

A funeral plan pays out a lump sum when you pass away. You can also purchase a family funeral plan, sometimes referred to as extended cover, which pays out a lump sum in the event of the death of your partner/spouse, your child/children, and/or any other family member, you have chosen to cover with the policy.