Funeral Cover Policies & Plans | Personal Insurance | Sanlam
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Funeral Cover Funeral Cover Policies & Plans | Personal Insurance | Sanlam

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Please note that due to the COVD-19 pandemic and the lockdowns, our financial advisers and service consultants are using the following methods to support you in a safe manner.

Funeral Cover

We remain committed to paying your claims and providing you with the service you need.

Our client care and sales offices are now open. You can also contact us on:

0861235433
8am to 5pm Weekdays

0861235433
8am to 5pm Weekdays

0861235433
8am to 5pm Weekdays

Your financial adviser remains on hand for advice and guidance regarding your financial decisions and Sanlam products. Feel free to get in touch with them telephonically.

We will continue to do our very best under trying circumstances, and we thank you in advance for your patience and understanding.

For more information on how Sanlam views your cover in the context of COVID 19 please refer to our dedicated page.

You can still get up to R100 000 funeral cover.

Choose from any of the Sanlam Funeral Plans to suit you and your family, or buy simple and affordable Funeral cover online now.

Why Sanlam Funeral Cover?

Get up to
R100 000
funeral cover

Pays out most
claims in
4 hours

No medicals,
blood tests,

or call-backs needed

Affordable and instant cover from only
R25 per month

Buy Online

Please click here to apply online.

For all purposes, and in particular for purposes of Electronic transactions, communications, and records above, you warrant (confirm):

  • Your identity (that is, you are who you say you are), and that you can prove your identity should Sanlam Indie require you to do so;
  • That all information you provide at any time to Sanlam Indie using the Sanlam Indie website, in writing, or to Sanlam Indie Call Centre staff, will in all respects be current, complete, and accurate;
  • That you will provide to Sanlam Indie all material and relevant facts required by Sanlam Indie as may be appropriate to any dealings you have with Sanlam Indie. If you do not provide the information, or provide information that is incorrect, Sanlam may, at its choice, cancel the agreement or transaction arising from your dealings with Sanlam.

Plans to fit your needs

More about the benefits you can choose:

Funeral Cover

This benefit provides a pay-out if someone you have covered on your policy dies. This could be your spouse, your children, your parents, your wider/extended family.

Wealth Bonus

Buy Sanlam Indie Funeral Cover Online and we’ll match up to 100% of your premium in an investment - at no extra cost.

Cover Double after 3 Years at No Extra Cost

Buy Sanlam Indie Funeral Cover Online and you can get cover that doubles after 3 years at no extra cost.

Flexible Premiums

Sanlam Indie Funeral Cover lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus.

Buy Online in Under 10 Minutes

Get quoted and covered in under 10 minutes online. No paperwork or waiting.

More about the benefits you can choose:

Funeral Cover

This benefit provides a pay-out if someone you have covered on your policy dies. This could be your spouse, your children, your parents, your wider/extended family.

Premium Paid-up

Premium Paid-up pays premiums on clients' behalf when the life assured reaches a certain age.

Burial Repatriation Benefit

Provides transport for the deceased from a funeral home to a place of burial of choice – anywhere in South Africa. If needed it also pays for a family member to travel with the deceased and covers overnight accommodation.

Unemployment and Pregnancy Payment Holiday

If you become pregnant or unemployed, you can apply to keep your policy active for up to 12 months and not pay premiums. Your cover will be limited during this time. You can start paying again before the 12 months end. When you start paying your premium again you will still enjoy the same benefits as when your benefit started.

Escalations

To keep up with the rising cost of living, you can choose to increase your premium every year to increase your cover.

Temporary Premium Support Benefit – Death

If the policyholder dies before the policy anniversary after their 65th birthday the lives assured covered as at the date of death of the policyholder will continue to be covered without the payment of any premium for 6 months.

Cash Back Benefit

A cash back benefit will be paid out to the Policyholder for each 3-year period from the Policy Issue Date if the policy is active.​

More about the benefits you can choose:

Funeral Cover

This benefit provides a pay-out if someone you have covered on your policy dies. This could be your spouse, your children, your parents, your wider/extended family.

Premium Paid-up

Premium Paid-up pays premiums on clients' behalf when the life assured reaches a certain age.

Burial Repatriation Benefit

This benefit offers transport for the deceased from a funeral home to a place of burial of choice – anywhere in South Africa. It also pays for a family member to travel with the deceased and covers overnight accommodation if needed.

Unemployment and Pregnancy Payment Holiday

If you become pregnant or unemployed, you can apply to keep your policy active for up to 12 months and not pay premiums. You can start paying again before the 12 months expire and still enjoy the same benefits as when your benefit started.

Escalations

To keep up with the rising cost of living, you can choose to increase your premium every year to increase your cover.

No More Premiums Benefit

  • Death
  • Physical impairment

These benefits can be claimed on your death or physical impairment. If certain conditions are met, your premiums will continue to be paid and all your loved ones who are covered by your funeral plan will still be covered.

Double Accident Benefit

If anyone covered by the policy dies in an accident this benefit will pay an amount equal to the Funeral Cover amount.

Grocery Benefit

If you or your spose die this benefit will pay a R1 000 for six months to help your beneficiaries with family expenses.

Cash Back Benefit

A cash back benefit will be paid out to the Policyholder for each 3-year period from the Policy Issue Date if the policy is active.​

More about the benefits you can choose:

Funeral Cover

This benefit provides a pay-out if someone you have covered on your policy dies. This could be your spouse, your children, your parents, your wider/extended family.

Premium Paid-up

Premium Paid-up pays premiums on clients' behalf when the life assured reaches a certain age.

Burial Repatriation Benefit

This benefit provides transport for the deceased from a funeral home to a place of burial of choice – anywhere in South Africa. It also pays for a family member to travel with the deceased and covers overnight accommodation if needed.

Unemployment and Pregnancy Payment Holiday

If you become pregnant or unemployed, you can apply to keep your policy active for up to 12 months and not pay premiums. You can start paying again before the 12 months expire and still enjoy the same benefits as when your benefit started.

Escalations

To keep up with the rising cost of living, you can choose to increase your premium every year to increase your cover.

No More Premiums Benefit

  • Death
  • Physical impairment

These benefits can be claimed on death, physical impairment, retirement or retrenchment. If certain conditions are met, your premiums will continue to be paid and all your loved ones who are covered by your funeral plan will still be covered.

Double Accident Benefit

Pays an amount equal to the Funeral Cover amount if one of the people covered by the policy dies in an accident.

Memorial Benefit

If anyone covered by your policy dies this benefit will pay an amount of R10 000 to help you honour the memory of a loved one in a fitting way, for example a tombstone. This amount is paid with the rest of the funeral claim.

Grocery Benefit

If you or your spouse die this benefit will pay R1 000 for six months to help your beneficiaries with family expenses.

Cash Back Benefit

A cash back benefit will be paid out to the Policyholder for each 3-year period from the Policy Issue Date if the policy is active.​

More about the benefits you can choose:

Funeral Cover

This benefit provides a pay-out if someone you have covered on your policy dies. This could be your spouse, your children, your parents, your wider/extended family.

Premium Paid-up

Premium Paid-up pays premiums on clients' behalf when the life assured reaches a certain age.

Burial Repatriation Benefit

This benefit provides transport for the deceased from a funeral home to a place of burial of choice – anywhere in South Africa. It also pays for a family member to travel with the deceased and covers overnight accommodation if needed.

Unemployment and Pregnancy Payment Holiday

If you become pregnant or unemployed, you can apply to keep your policy active for up to 12 months and not pay premiums. You can start paying again before the 12 months expire and still enjoy the same benefits as when your benefit started.

Escalations

To keep up with the rising cost of living, you can choose to increase your premium every year to increase your cover.

No More Premiums Benefit

  • Death
  • Physical impairment
  • Retirement
  • Retrenchment

These benefits can be claimed on death, physical impairment, retirement or retrenchment. If certain conditions are met, your premiums will continue to be paid and all your loved ones who are covered by your funeral plan will still be covered.

Double Accident Benefit

Pays an amount equal to the Funeral Cover amount if one of the people covered by the policy dies in an accident.

Grocery Benefit

Pays R1 000 towards living expenses for six months if you or your spouse dies.

Cash Back Benefit

A cash back benefit will be paid out to the Policyholder for each 3-year period from the Policy Issue Date if the policy is active.​

 

Online

Traditional

Priority

Tribute

Prestige

Funeral Cover
This benefit provides a pay-out if someone you have covered on your policy dies. This could be your spouse, your children, your parents, your wider/extended family.
Wealth Bonus
Buy Sanlam Indie Funeral Cover Online and we’ll match up to 100% of your premium in an investment - at no extra cost.
       
Premium Paid-up
Premium Paid-up pays premiums on clients' behalf when the life assured reaches a certain age.
 
Cover Double after 3 Years at No Extra Cost
Buy Sanlam Indie Funeral Cover Online and you can get cover that doubles after 3 years at no extra cost.
       
Burial Repatriation Benefit
This benefit offers transport for the deceased from a funeral home to a place of burial of choice – anywhere in South Africa. It also pays for a family member to travel with the deceased and covers overnight accommodation if needed.
 
Flexible Premiums
Sanlam Indie Funeral Cover lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus.
       
Buy Online in Under 10 Minutes
Get quoted and covered in under 10 minutes online. No paperwork or waiting.
       
Unemployment and Pregnancy Payment Holiday
If you become pregnant or unemployed, you can apply to keep your policy active for up to 12 months and not pay premiums. Your cover will be limited during this time. You can start paying again before the 12 months end. When you start paying your premium again you will still enjoy the same benefits as when your benefit started.
 
Escalations
To keep up with the rising cost of living, you can choose to increase your premium every year to increase your cover.
 
Temporary Premium  Support Benefit – Death
If the policyholder dies before the policy anniversary after their 65th birthday the lives assured covered as at the date of death of the policyholder will continue to be covered without the payment of any premium for 6 months.
     
No More Premiums
  • Death
  • Physical impairment
These benefits can be claimed on your death or physical impairment. If certain conditions are met, your premiums will continue to be paid and all your loved ones who are covered by your funeral plan will still be covered.
 
Double Accident Benefit
If anyone covered by the policy dies in an accident this benefit will pay an amount equal to the Funeral Cover amount.
 
Memorial Benefit
If anyone covered by your policy dies this benefit will pay an amount of R10 000 to help you honour the memory of a loved one in a fitting way, for example a tombstone. This amount is paid with the rest of the funeral claim.
     
Grocery Benefit
If you or your spouse die this benefit will pay a R1 000 for six months to help your beneficiaries with family expenses.
   
Cash Back Benefit
A cash back benefit will be paid out to the Policyholder for each 3-year period from the Policy Issue Date if the policy is active.
   

Frequently Asked Questions

I want to buy funeral cover

  • Funeral cover is a form of insurance that pays a specified amount of money in the event of a death, ensuring that the costs of a funeral will be covered so that family members do not have to struggle financially at this difficult time.
  • Funeral insurance works in much the same way as other types of insurance. You decide how much funeral cover you want to buy and then you pay a monthly premium.
  • You choose who to cover.
  • Some funeral insurance policies also give you other benefits like burial repatriation, grocery benefits or cashback.
  • If you or your loved ones die, the money is paid out.
  • A decision to take out funeral insurance should form part of a proper financial plan.
  • Sanlam Funeral Plans gives you flexibility to choose the amount of cover you need and the Plan with the benefits that suit your family’s needs.
  • You can choose from 5 different funeral plans to meet your family’s needs. You can choose to cover yourself, your immediate family as well as your wider/extended family members
  • You can cover up to 22 people
  • From only R25 a month you will be able to honour your loved ones with a dignified funeral
  • On some of our plans can save any amount from R10 a month for 5 to 15 years
Load More
  • Sanlam Funeral Plans offer you a choice of products, each with different benefits to suit individual needs.
  • There are no medical questions to answer or blood tests required.
  • You can speak to a financial advisor or you can buy a policy online yourself.

If you would like to take out a funeral policy, you can select the ‘call me’ or ‘buy now’ options on our website. If you select ‘call me’, a consultant will contact you to discuss the next steps. If you would like to buy online funeral cover, you can select the ‘buy now’ option to complete the full process online.

Please note, due to the lockdown, our financial advisers are using WhatsApp, SMS and calls to support you in a safe manner.

The full advice process will be followed via the WhatsApp platform to ensure your needs are met. If you are interested in a new policy or have showed interest in taking out a new policy, one of our financial advisers will reach out to you. If you have any questions, please contact our call centre on 0861235433.

Yes, you can get policy support, follow up on claims, complete policy servicing forms or get your tax certificate via our WhatsApp service. Our consultants are available should you need any help. Simply WhatsApp 0861235433 from Monday – Friday between 8am – 5pm.

  • No. your family can use the money for other family expenses.
  • It is calculated using the ages and cover amounts of the people on the policy.
  • There is a 6 months waiting period for non-accident death and no waiting period for accidental death. 12 months for online.
  • No. Funeral cover is non-taxable.
  • It depends on the type of Funeral Plan you chose.
  • Benefits may include the following:
    • Burial Repatriation Benefit
    • Double Accident Benefit
    • Grocery Benefit
    • Cash Back Benefit
    • Escalations
    • Unemployment and Pregnancy Payment Holiday
    • Premium Paid-Up
    • Memorial Benefit
  • This will depend on the Funeral Plan you chose.

I have funeral cover

  • Sanlam pays most Funeral claims within 4 hours, after all supporting documents for example death certificate have been received and verified by Sanlam.

To claim, we will need these documents:

  • Fully completed claim form.
  • Certified copy of ID of claimant and deceased.
  • Certified copy of death certificate.
  • Proof of banking details (bank stamped statement/cancelled cheque/salary slip), if proceeds are payable into an account other than the premium paying account.
  • Certified copy of BI1663/DHA-1663 or B11680. All sections must be fully completed.
  • Fully completed police report (if cause of death is unnatural).
  • Yes, you can increase your cover as long as the Funeral Plan has the cover level you require.
  • You can also decrease your cover.
  • This depends on the Funeral Plan you chose.
  • Your family can remain covered without us receiving any premiums if you have the Death Waiver Benefit.

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