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Sanlam Funeral Plans

Get funeral cover that pays out most funeral claims in 4 hours because we know that when planning for a funeral for loved ones, every hour matters.

We have funeral cover for everyone whether you are looking to pay a low premium or cover up to 22 people on your policy.

Funeral cover premium is from R25.

Maximum cover up to R100 000

Frequently Asked Questions

  • 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 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.
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  • 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
  • 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).
  • 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.
  • Yes, you can increase your cover as long as the Funeral Plan has the cover level you require.
  • You can also decrease your cover.
  • No. Funeral cover is non-taxable.
  • 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.
  • 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.

Buy Online

I, the Primary Covered Person of the Family Funeral Plan or Accidental Death Plan indicated herein as the "Plan", am subject to the following:

  1. Sanlam icover is a division of Sanlam Developing Markets Limited, a registered long-term insurer and licensed financial services provider. All references to Sanlam or Sanlam icover refers to Sanlam Developing Markets Ltd.
  2. The Plan will be administered by Sanlam icover in South Africa. All amounts relating to the Plan, particularly payments and benefits, will be expressed, calculated and paid in South African currency. All claims payments will be made in South Africa.
  3. I accept that no advice was provided to me through a Sanlam appointed broker or advisor, and the decision to purchase the Plan online was taken in my personal capacity and on my own volition.
  4. I accept full responsibility for informing Sanlam icover of any changes to the identification information provided (e.g. surname change, contact details etc.)
  5. I am aware that in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002 (FAIS), I may request a copy of any document that I or someone on my behalf submitted to Sanlam icover that pertains to this Plan.
  6. In terms of the Prevention of Organised Crime Act (number 121 of 1998), I guarantee that the funds with which any payment is or will be made to Sanlam icover, in terms of this Plan, are derived from a lawful source. In addition, I declare myself willing to answer any questions with regard to the origin of such funds and to provide additional information when required by Sanlam icover.
  7. I understand that all information that I have captured will be recorded electronically in Sanlam icover’s computer system, and that a Membership Certificate for the Plan which I have purchased will be sent electronically to the email address I provided as part of the online purchase process. The electronic records of Sanlam icover’s computer system will form the record of this Plan and may be used as evidence at any proceedings.
  8. I guarantee that all information herein is complete and correct. This guarantee applies also to information which in Sanlam icover's reasonable opinion is relevant to the insurance risk and which is contained in other documents or provided telephonically. If any of the aforesaid information is not complete or correct, Sanlam icover may cancel this Plan. If this happens, all premiums paid in terms of this Plan will be forfeited.

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.

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.​

 

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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. 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.
   

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