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What is Funeral Cover?


Funeral Cover Explained

Everybody has heard the words funeral cover, funeral insurance, funeral plan or burial insurance – Now just what exactly does is this?

It’s very simple, funeral insurance, like any insurance product will compensate you at the time of loss. In this case, it will be the loss of life. Inevitably, we will all pass away. Getting funeral insurance ensures that you have funds available to assist your family during this time.

Funeral Insurance will make funds available quickly after the death of an insured member. Usually funeral insurance providers will make funds available within 48 hours of a valid claim. This will make sure that the family or beneficiary will have funds available quickly.

Modern funerals can be extremely expensive. Most people are unaware of the costs involved in arranging a funeral; there are many things that will need to be paid. This includes services like:

  • Funeral Pamphlets
  • Flowers
  • Catering
  • Tombstone
  • Coffin
  • Musicians
  • Priest
  • Venue / Church
  • Use of Mortuary
  • Use of Hearse etc.

Above are just some of the services and products required to arrange a funeral. There are various other costs involved. Most funeral insurance providers will offer cover from R5 000 to R60 000. This amount is the pay-out amount at the time of death.

You can cover a wide variety of family members on your funeral plan. You can include the following people in your funeral cover quote:

  • Spouse (Wife, Boyfriend, Fiancé etc.)
  • Children
  • Parents & Parents-in-Law
  • Grand Parents
  • Nice, Uncle, Nephew, Aunt Etc.
  • Employees
  • Domestic Worker etc.

Funeral cover premiums are calculated according to the age, relationship and cover amount. Every person will effectively be quoted individually. This means you will be able to raise or lower individuals on your policy. At the end, your various premiums will be calculated into one single monthly contribution. We can amend your funeral cover quote until you are 100% satisfied.

At the time of a claim, you will have to submit various documents in order to process the claim. As soon as all documentation was provided, it usually takes less than 48 hours. As soon as the payment is made, the funeral can be arranged by the family.

With most funeral plans, you will receive various value added benefits. This includes benefits like:

  • Education Benefit
  • Shopping Benefit
  • Accidental Death Benefit
  • Memorial Benefit
  • Survival Benefit
  • CashBack Benefit etc.

You will usually receive automatic benefits with your policy. You can then select additional benefits to improve the quality of your funeral plan. When we arrange your quote for you, we can add or remove certain benefits as per your request. Our friendly consultant will explain everything to you via the telephone.

Getting a Funeral Cover Quote is Easy, let us contact you today. We can help you find the best funeral plan at the lowest rate. Our service is 100% free! Why wait, get your funeral cover quote today.

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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.