Flexible Funeral Cover for Your Whole Family

Immediate Family members on the funeral plan include your spouse and your children.

Your children may be natural, adopted or foster children, as long as they are younger than 21 years and not married. However, if your child is still a registered full-time student, then this age limit is increased to 26 years.

Extended Family members on the funeral plan include your:

• children that don't qualify as immediate family
• parents, grandparents and grandchildren
• brothers and sisters
• aunts and uncles (meaning the brother or sister of your mother or father)
• nephews and nieces (meaning the children of your brother or sister)

The above must be your (the principal members) family line and not that of your spouse.

The funeral plan pays out ratios according to the age of the deceased:

• 14 years or older: 100% of the cover limit
• 6-13 years: 50% of the cover limit
• 0-5 years: 25% of the cover limit
• Stillborn: 25% of the cover limit

• Accidental death: Immediate cover, no waiting period
• Suicide: 12 months waiting period
• Other: 6 month waiting period

For Immediate Family:

• the principal insured member must be at least 18 years old and younger than 65
• your spouse must be younger than 65 years
• children must be younger than 21 or, if they are full time students, younger than 26

For Extended Family, all members must be 18 years or older and younger than 85.

There is not cession age, meaning that you are never removed form a policy for being too old. The above age restrictions apply at time of application.

Single and Family policies have a premium that depends on the amount of cover you choose.

For Family policies, the premium is the same regardless of whether you add 1 member or all 6.

You can add Extended Family to any policy and you get to choose the cover amount per member. The premium is calculated according to their age and amount of cover.

For example:

• I cover myself for R40,000 - premium is R180 pm.
• I add my wife and two children - new premium is R240
• I add my 70 year old Mother for R20,000 cover - new premium is R240 + R150 = R390 pm
• I add my 50 year old brother for R10,000 cover - new premium is R390 + R50 = R440 pm