Get funeral cover according to your needs

  • How much cover do you need?
  • What is your budget?

We’ll calculate your premium, or you can choose one that works for you – putting you in
control of your money.

Why our funeral cover?

  • Get it easily on our app or at any of our branches
  • Add up to 21 family members 
  • No automatic annual premium increase
  • Claim at a branch, by email or on WhatsApp

Note: You must supply the birth dates of the family members you want to include in your funeral cover.

If you don’t have our app, you can download it here:

Benefits 

Switching from another insurer? If you've already completed waiting periods with them, we'll drop ours for the same coverage. Plus, if you've partially completed a waiting period, we’ll reduce our wait time by the same amount.

If a covered person dies in an accident, the funeral benefit is doubled from day one. For children, this is limited to the maximum legal insurance cover amounts.  

Pause your funeral cover instead of cancelling. 

How long can I pause my funeral cover for?
Up to 6 months – you won’t pay monthly premiums during this time.
 
If my funeral cover is paused, will I still have cover?
No, all funeral cover benefits will stop while your policy is paused.
 
How do I activate my funeral cover again?
Your funeral cover will automatically restart when you start paying your premium again.
 
How many times can I pause my funeral cover?
There’s no limit, but you need to wait 24 months before pausing again after restarting.

Keep your funeral cover for up to 6 months without paying premiums after your child is born or adopted. Just submit an unabridged birth certificate within 3 months of the birth or adoption.

How long is the waiting period?
There is an initial 6-month waiting period. Once you’ve used this benefit, you’ll need to wait another 6 months before applying again.
 
How many times can I apply for the newborn premium waiver? 
You can apply as many times as you like during your policy term if you meet the waiting period requirements.

This starts automatically after the policyholder’s death, provided the claim is approved. Other lives on the policy will still be covered for 6 months without paying premiums.

The last thing you need to worry about is how to get your loved one back home for the funeral. Let us help you with the transportation of the deceased.

Maximum cover (you and up to 21 lives)

Life assured categoriesMaximum cover
PolicyholderR100 000
Spouse (18 - 64 years)R100 000
Children (newborn - 5 years)R20 000 each
Children (6 - 13 years)R50 000 each
Children (14 years and older)R60 000 each
Parents (26 - 85 years)R50 000 each
Extended family (0 - 5 years)R20 000 each
Extended family (6 - 85 years)R50 000 each
Policyholder
Maximum cover
R100 000
Spouse (18 - 64 years)
Maximum cover
R100 000
Children (newborn - 5 years)
Maximum cover
R20 000 each
Children (6 - 13 years)
Maximum cover
R50 000 each
Children (14 years and older)
Maximum cover
R60 000 each
Parents (26 - 85 years)
Maximum cover
R50 000 each
Extended family (0 - 5 years)
Maximum cover
R20 000 each
Extended family (6 - 85 years)
Maximum cover
R50 000 each

The law limits how much we can pay out for a child’s death. We must follow these limits for all our policies and any other insurers’ policies we know about. If the child cover on your policy hits these limits, we will only pay out the maximum allowed amount showed in the table.

All funeral cover benefits are subject to terms and conditions, including limitations and exclusions as set out in the terms and conditions.

This product is underwritten by Capitec Life Limited (“Capitec Life”), a licensed life insurer and FSP (54090), Reg No.: 2021/924456/06.