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Let’s talk about #TheFWords: Family

In the first article of our #TheFWords series, we’ll unpack the importance of family and ensuring that they are taken care of.

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How do you define family? Whether it’s: 

  • 2 parents, 2 kids and a dog. 
  • Gogo, mom, dad, 2 aunts, a cousin and siblings living under one roof. 
  • A single parent. Or a huge extended family.
  • No real kids, just fur kids. 

The very essence of family is a sense of unity… it’s about love, connection and community. And there’s no right or wrong way a family should look – no matter your culture, beliefs or language. 

Miriam Makeba drew her musical inspiration from her family, and the late Archbishop Emeritus Desmond Tutu once said, “You don’t choose your family. They are God’s gift to you, as you are to them.” 

The bottom line is: Family is family and we want to provide for them by every means possible. 

Reality check 

Death is inevitable. In fact, it's the one sure thing. But what happens to your family when you pass away?  

While there will be grieving and sadness, there may also be added pressure on them financially. How will they afford the expenses – will they need to use their personal savings or ask friends and family for help?  

The financial security a funeral policy provides is the best gift you can give your family. A funeral policy means your family will be able to pay for your funeral up front, without having to cover the costs themselves. Better yet, the money is usually paid out within 24 hours.  

Spend money on what matters most – family 
 
A funeral policy means your family can move on with their lives without the burden of money worries. When Kate Tau’s brother passed away after struggling with an illness for years, her family didn’t have the money to pay for his funeral. “The reason I didn’t make any attempt to plan for his funeral was because of the stigma behind the belief lefu la hao le a mpedisa – that you make money from the death of a family member if you have a funeral plan for them.”  

Looking back, Kate realises that “a funeral plan should be about easing the financial burden the death of a loved one can place on the family.” After all, it is the funeral service itself that is much more important than the catering and all the other things we worry about. 

Your biggest responsibility to your family is having a plan in place and discussing it with them. Make sure they understand that a funeral policy will:   

  • Give them peace of mind that they will be able to give you a dignified send off 
  • Provide short-term financial help, which can include covering the costs of anything from burial or cremation to groceries, school fees, transport costs and airtime 
  • Allow you to cover your entire family on a single plan 

Switch to Capitec and get up to R100 000 funeral cover for yourself and add cover for up to 21 dependents, so you only pay for one plan 

A Capitec funeral policy starts from as little as R25 and allows you to cover up to 21 dependants (1 spouse, up to 4 parents, 8 children and 8 extended family members) on a single plan. For lower premiums, apply for a funeral policy via our app under the Insure tab. In just a few easy steps, you can personalise your plan by letting us know how many people you want to cover or what you can afford.

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