When to get funeral cover

A good time to take out a funeral policy in South Africa is when there are people or family members that are dependent on you.

Why do I need funeral cover?

Unless you have experienced organising a funeral it’s not easy to imagine the work and costs that are involved in funeral arrangements. You need to contact the funeral home, pick out an appropriate coffin, organise catering and decide on cremation or burial unless that has already been stipulated by the deceased. Even the simplest things like a funeral programme or securing a cantor (chanter) can be overlooked in your time of grief. All of this comes at a cost. Irrespective of the size of the funeral, it is likely to be a costly affair.

Funeral cover or a funeral policy is often overlooked until the time comes to organise a funeral. Costs can range between R10 000 and R70 000 in South Africa.

How much funeral cover do I need?

You no doubt want the best funeral cover available in South Africa. We can’t tell you the exact amount but we can give you a guide. Before trying out our online funeral cover quote calculator consider the following:

  • Do you just want a funeral policy for yourself; cover for yourself and immediate family; or do you need funeral cover for your parents, brother, aunt, uncle, even your in-laws?
  • How much funeral cover do you want?
  • What can you afford to pay every month? Many people start with basic cover and then add on different options (such as parents, siblings and extended family members) when they can.
  • What benefits do you want from your funeral plan? Funeral policies can include premium cash back, premium holiday, accidental or terminal illness cover, HIV cover and even help with funeral arrangements.

There are a number of affordable funeral plans to cover funeral expenses along with great benefits. Identify what you need from a funeral policy upfront and then compare the funeral cover options available before making your choice.

Get a funeral cover quote

Try our Funeral quote tool to see how much your funeral cover is likely to cost in South Africa - get instant funeral cover quotes online.

Did you know?
Our Single Adult Family Funeral Plan enables single parents to cover themselves and their dependent children. You don't pay for a spouse you don't have!

Why Old Mutual?

We can provide funeral cover with no waiting period. You’ll receive up to 30 days of cover before paying your first premium.

We pay what we promise. We paid over R1 million in funeral insurance claims every hour in 2016.

We pay within 48 hours of receiving all the required documentation for a valid claim.

What we offer

We offer you affordable funeral cover options to suit your cover choice and pocket. Some funeral policies are available online or over the phone and via financial advisers. The table below gives a brief comparison of the Old Mutual funeral cover plans.

Final Expenses
Funeral Plan
Funeral Plan
Maximum cover R100 000 R70 000 R70 000
Must I go for a medical?
Can I miss up to 6 premiums for the policy duration?
Can I buy it over the phone?
Can I buy it via an adviser?


Other Products

Old Mutual also offers you the Old Mutual Burial Society Support Plan. This Plan is specifically designed to meet the requirements of your Burial Society and offer you and your principal members a number of benefits. Read more about the Burial Society Support Plan here.


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Other financial needs you may want to consider:

Saving and Investing
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Life Cover and Insurance
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Funeral Cover
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Personalised disability & severe illness cover
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Short Term Insurance
Affordable car, home & valuables insurance
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