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Introduction to funeral cover

A funeral plan pays out in the event of the death of the insured persons, providing the beneficiaries of the policy with the funds they need to pay the funeral expenses of the deceased. Immediate and extended family members can be included on the same policy.

Funeral insurance policies often include benefits like unveiling benefits to cover the cost of a tombstone and grocery benefits that pay a monthly cash amount to policy beneficiaries for a stipulated period of time.

All funeral policy providers should be underwritten by a registered long-term insurance company that is registered by the Financial Services Board. Protect yourself against fly-by-night providers and read our blog on the questions you should ask before you buy funeral cover.

Who needs funeral cover?

Anyone who wants to ensure that their family always has the funds they need to cover funeral expenses without having to borrow money or take out a loan.

How much will funeral cover cost?

Your monthly premiums will depend on how much cover you would like to receive in the event of each family member’s death and how much you can afford. Get funeral cover quotes online and calculate your cover requirements.

The difference between life insurance and funeral cover

Funeral insurance covers the costs of the deceased’s funeral while life insurance is intended to replace the deceased’s salary and support family members in the event of his/her death. School fees, medical bills and daily living expenses should by covered by a life insurance pay-out.

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