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Compare Funeral Cover

Why You Need Burial Insurance

Compare Funeral Cover

It’s important to compare funeral cover before you apply for your quote. We offer you all the benefits of the provider we represent. This gives you the opportunity to study every provider before you request your funeral cover quote. When you compare funeral plan, there are a couple of things you need to consider. Before you even look at different funeral plan provider, ask yourself the following questions:

  • Do I need cash only, or cash with funeral services?
  • How much cover you need?
  • Who do I want to include?
  • What am I willing to pay?
  • Do I need additional benefits?

Cash vs. Cash & Funeral Services

When you compare funeral cover, start with what type of funeral plan you require. A cash only policy will pay your benefit a cash lump sum. Your beneficiary can then use the money to pay for various funeral services. The policy provider will not be involved with the arrangements of the funeral. This does not mean that the policy will not have additional benefits e.g. Accidental death cover. Cash with funeral services policies will offer you a cash lump sum. The beneficiary will then have the option to make use of the policy provider to arrange the funeral. If the beneficiary decides to use the funeral policy provider to arrange the funeral, there will be various free services included.

How Much Cover Do I Need?

When comparing funeral cover, it’s important to know the minimum and maximum amount of cover offered. Funeral can be unthinkably expensive in South-Africa. You need to make sure that you have sufficient funds available when you claim. Most providers will offer a minimum of R5 000 – R10 000, and a maximum of R50 000 – R60 000. Getting the right amount of cover will be very important. Obviously the more cover you take, the higher your monthly contribution will be.

Who Do I Want to Include?

When you compare funeral cover providers, always look at the amount of extended family members you can include in your plan. Most funeral insurance providers will offer the following members cover:

  • Spouse (Wife, Fiancé, Girlfriend or Boyfriend)
  • Children
  • Parents and Parents in Law
  • Grand Parents
  • Extended Family (Usually 6 – 9 Members)
  • Extended family members will include your brothers, sisters, uncles, aunts etc.

What Am I Willing to Pay?

Most people compare funeral plans to save costs. It’s important to understand how funeral insurance premiums are calculated. When you apply for your free quote with our service, we will be able to amend the insured amount for each person individually. Depending on the provider, funeral premiums are usually calculated separately for each person under your funeral plan. Finally, all the separate premiums are calculated into one single monthly premium. Because every person is calculated separately, you can amend the insured amount for each person to ensure that you are comfortable with the cost. We assist you in finding the right ratio. We do not want our clients to over spend on funeral insurance. We do our best to assist each and every client to the best of our abilities.

Do I Need Additional Benefits?

When you compare funeral cover online, you should look at additional benefits. Most funeral cover providers will have additional benefits; this is to make their product more appealing. This can range from education, shopping, premium waivers and cash back options. Some of the additional benefits will definitely add value to your funeral plan. When you compare funeral plans, you should consider all the benefits, compared to the cost of the funeral plan. If you are unsure about any of the benefits a provider has to offer, you can ask our friendly consultant to explain it to you. Most funeral plans will have accidental death benefits included at no additional cost. If you need more information about any of the funeral cover providers we represent, feel free to ask us. Simply complete the basic contact form anywhere on our site. (At the bottom of the page) – We will get in touch and discuss everything with you telephonically.

Feel free to compare funeral cover provider on our website, visit links below:


Discovery Life

Metropolitan Life

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Klement Marais
Klement Marais
Director and Founder of InShoor a Registered Financial Services Provider. We specialize in funeral and other insurance products. We have been awarded top AVBOB broker nationally in South-Africa.

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