Funeral cover for the family

We go to great lengths to ensure that the people we care about are well taken care of. One way to do this is with funeral cover for family.

Funerals can cost between R12 000 and R50 000 in South Africa*. Typical expenses include burial grounds and caskets or cremation, as well as catering, flowers, transportation, and more. Funeral cover is a type of insurance where you pay a monthly premium and receive a lump sum payment in the event that you (or a member of your family) pass away. The money received from the claim can be put toward paying for funeral costs.

Investing in affordable funeral cover for extended family ensures that when it's time to say goodbye, your family won't need to incur debt to give you or a policy member a respectable send-off.

Why get a number of family funeral cover quotes?

The most obvious reason to consider getting family funeral cover is to give yourself and your family the peace of mind that comes from knowing that you’re prepared in the event that you, or a member on your funeral policy, dies. Funeral cover payouts can be used to buy meat, groceries, and to arrange transportation for loved ones and funeral guests.

Comparing a range of funeral quotes for family online or via a call centre gives you the opportunity to review the terms and conditions as well as the benefits of different policies. Understanding what’s available enables you to decide which one serves your family’s needs best. There are many things to consider when you take out a funeral policy for your family, including:

• Monthly policy premiums
• How much are adults covered for?
• What is the cover amount for kids?
• Does the policy come with additional benefits, such as meat, groceries, or transportation?
• Are there any waiting periods

You can obtain funeral cover quotes for family by visiting aggregators, insurers’ websites, or calling them. In some cases you can even purchase your funeral cover online.

Can I take out a funeral plan for my parents or other elderly extended family members?

Yes, you can take out a funeral policy for older extended family members or a funeral plan for your parents if they are younger than the maximum age stipulated by the insurer in the policy terms.

Who can I include on my family funeral policy?

If your family does not have funeral insurance, you can purchase it on their behalf. Speak to your insurer about who you can include on your policy, for example parents, siblings, spouses and children as well as extended family members.

How long will it take for my funeral cover claim to be paid out?

Funeral cover claims process and pay-outs are usually reasonably quick. Most funeral cover providers pay within 48 hours. This financial cushion helps you pay for immediate funeral costs while the estate is being settled, saving your family from having to take on a large funeral debt.

1Life Funeral Cover

With 1Life Funeral Cover you can get the best funeral cover for yourself and up to 16 family members with no premium increases for the first year. You can buy comprehensive cover online in just 15 minutes, with savings of 40%.

*Average Funeral Costs in South Africa 2022 | Rateweb

We answer your questions about funeral cover for the family

Can I customize a funeral cover policy to include specific benefits like groceries or transportation for family members?

With your 1Life Insurance funeral policy, you can cover up to 16 family members for a payout of up to R50 000 each. Each member listed on your policy has access to a memorial headstone benefit and repatriation benefit. However, only the main member has access to the grocery benefit. Considering such costs is therefore important when choosing each family members funeral cover amount.

What happens if I miss a monthly premium payment for my family funeral cover?

1Life Insurance will advise you via SMS when a debit order has been returned by your bank. There is a grace period of 31 days if you miss a payment, so you have 31 days from when the premium was due to make up the missed payment. If you don’t catch up and pay your premium, you and your family might lose their cover and claims might not be paid.

Can I include siblings, spouses, and children from extended family in my funeral policy?

Yes. You can insure up to 16 family members on one policy.

Are there any exclusions or waiting periods associated with funeral cover policies for family members?

Yes. Exclusions include: No insurance cover shall be granted, or benefits paid in the event of the death:

• of any of the members resulting directly or indirectly from, or which is attributable to the negligence, recklessness, transgression of the law or intentional exposure to danger by such a member, except in circumstances to save another human’s life; or
• of any of the members resulting directly or indirectly from, or which is attributable to such a member being under the influence of illegal drugs or habit-forming substances or resulting from the chronic abuse of drugs by the member; or
• of any of the members resulting directly or indirectly from or which is attributable to the willful self-infliction of injuries by the member.

Waiting periods are 6 (six) months and 6 (six) premiums for Natural Death for all members on the main policyholder's policy. However, Accidental Death is covered immediately after the first premium has been received.

Can I make changes to my family funeral cover policy, such as increasing or decreasing the coverage amount, after purchase?

Yes. You can make changes to the policy after purchase, but certain terms and conditions may apply.

Are there additional costs or fees associated with processing funeral cover claims for family members?

No. You simply need to get a hold of us at claims stage, have the correct documentation, and be up-to-date on your policy premiums.

Is it possible to add or remove family members from the funeral cover policy over time?

Life changes, and we change with you. So, yes. You can add and remove family members from your policy over time.

What factors determine the monthly policy premiums for family funeral cover?

The premium depends on thier age, the amount of cover you buy, and the number of additional family members that you insure on your policy.

Do family funeral cover policies include coverage for accidental death or specific causes?

Yes. 1Life's funeral insurance covers both accidential death and death due to natural causes.