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What is funeral cover?

  • What is funeral cover?

    Funeral cover is there to relieve the financial burden of the family when a loved one passes away. We pride ourselves on paying out valid claims as soon as possible, in order for you to arrange a dignified funeral. Our funeral policies ensure a cash pay-out within 24 hours of claim received, subject to having all required documents, in order to cover the costs associated with a dignified funeral, which offers friends and family the closure they need.

    We offer cover not only for the principal member but for spouses, children, parents and extended family too. We see all of our policyholders as real people with real responsibilities that need to be taken care of even if the worst happens.

    The justGO Southern African Family Protector Plan covers natural death, accidental death and suicide. We believe that funeral cover should cover all bases, and so we offer HIV/Aids counselling, emergency assistance and other support.

    During the grieving period, African Unity Life is there to offer support.

  • I am not from South Africa, can I still take out this policy?

    This policy is designed for:

    • Non-South Africans living in South Africa (and cover can include their families / extended family members not living in South Africa) – note that premiums must be paid in rand and claim pay-outs will be done into a South African bank account;
    • South Africans living in South Africa.

    You and your dependants will need to provide the relevant documentation along with your application for funeral cover. The documentation required will include a valid South African Identity Document, South African Identity Card or a non-South African Passport in the event of all foreigners that are to be covered on the policy.

  • Who can I cover on my policy?

    You can cover yourself, your spouse, and your children.

    Additionally, you can get funeral cover for extended family, including your parents or parents-in-law, grandmothers or grandfathers and brothers or sisters. Your extended family will be charged an additional premium according to their age and the amount of funeral cover they require.

    If you are covering your immediate family, such as your children or spouse, this is known as a family funeral benefit. An extended family benefit can be used to cover family members such as parents-in-law, and cousins, as well as aunts and uncles.

    If your children are over the age of 21, they will be considered as adults and you will have to pay adult premiums for them. It is possible to have their cover extended as children if they are a student, mentally or physically disabled, or are financially dependent on you.

    Your dependants will need to provide the relevant documentation along with their application for funeral cover. Documentation required will be a valid South African Identity document, South African Identity Card or a non-South African Passport in the event of foreigners to be covered on the policy.

    The additional premiums you will need to pay for each extended family member on your policy are minimal and allow your entire family to grieve and give you or a family member a dignified funeral, should the worst happen.

ABOUT OUR justGO FAMILY PROTECTOR

If you’re a breadwinner working in South Africa to support your family in South Africa or in another African country, the justGO Southern African Family Protector is ideal for you. What makes this product unique, is that it is designed to meet the needs of both South Africans and non-South Africans, with a wide range of exclusive benefits that go way beyond just funeral cover. Monthly discount grocery coupons, accidental hospitalisation access, emergency ambulance service and travel assistance to loved ones at a time of death, are just a few of the exciting benefits included in this product. Explore the benefits below and sign up to ensure you and your family are covered, no matter where you are from.

justGO BENEFITS

mourners transport

Mourners transport

for up to 12 people

grocery

Grocery discount coupons up to the value of R250

Redeemable monthly

Reduces monthly grocery costs

travel voucher

R3,000 travel voucher

Reduce costs of travel arrangements

mourners transport

Hospitalisation cover as a result of an accident

R1,000 per day

Reduces costs due to hospitalisation

Emergency medical advice

mourners transport

R500 airtime paid immediately
after death of principal insured

mourners transport

HIV and trauma counselling for the family

mourners transport

Telephonic legal advice and legal assistance

mourners transport

Repatriation included within South Africa

Optional repatriation for outside of South africa
(SADC Regions)

Disclosure: justGO is a Juristic Representative of African Unity Life Limited. African Unity Life Limited is the underwriter of the product and an authorized financial services provider with FSP # 8447.

FREQUENTLY ASKED QUESTIONS ABOUT justGO FAMILY PROTECTOR

  • What is funeral cover?

    Funeral cover is there to relieve the financial burden of the family when a loved one passes away. We pride ourselves on paying out valid claims as soon as possible, in order for you to arrange a dignified funeral. Our funeral policies ensure a cash pay-out within 24 to 48 hours of death, subject to having all required documents, in order to cover the costs associated with a dignified funeral, which offers friends and family the closure they need.

    We offer cover not only for the principal member but for spouses, children, parents and extended family too. We see all of our policyholders as real people with real responsibilities that need to be taken care of even if the worst happens. 

    The justGO Southern African Family Protector Plan covers natural death, accidental death and suicide. We believe that funeral cover should cover all bases, and so we offer HIV/Aids counselling, emergency assistance and other support.

    During the grieving period, African Unity Life is there to offer support.

  • I am not from South Africa, can I still take out this policy?

    This policy is designed for:

    • Non-South Africans living in South Africa (and cover can include their families / extended family members not living in South Africa) – note that premiums must be paid in rand and pay-out of claims will be done into a South African bank account;

    • South Africans living in South Africa.

    You and your dependants will need to provide the relevant documentation along with your application for funeral cover. The documentation required will include a valid Green South African Identity document or a non-South African Passport in the event of all foreigners that are to be covered on the policy.

  • Who can I cover on my policy?

    You can cover yourself, your spouse, and your children.

    Additionally, you can get funeral cover for extended family, including your parents or parents-in-law, grandmothers or grandfathers and brothers or sisters. Your extended family will be charged an additional premium according to their age and the amount of funeral cover they require.

    If you are covering your immediate family, such as your children or spouse, this is known as a family funeral benefit. An extended family benefit can be used to cover family members such as parents-in-law, and cousins, as well as aunts and uncles. 

    If your children are over the age of 21, they will be considered as adults and you will have to pay adult premiums for them. It is possible to have their cover extended as children if they are a student, mentally or physically disabled, or are financially dependent on you. 

    Your dependants will need to provide the relevant documentation along with their application for funeral cover. Documentation required will be a valid Green South African Identity document or a non-South African Passport in the event of foreigners to be covered on the policy.

    The additional premiums you will need to pay for each extended family member on your policy are minimal and allow your entire family to grieve and give you or a family member a dignified funeral, should the worst happen.

  • In what currency may I pay premiums and how will claims be paid out if I am not from South Africa?

    Premiums must be paid in rand and claim pay-outs will be done into a South African bank account.

  • Can changes be made to my funeral policy?

    Yes, you are welcome to make amendments to your policy, although they are subject to specific terms and conditions.

    You may add or remove dependents or extended family members, increase or decrease the amount of cover you require.

    If your financial, marital or familial situation should change, you are able to make changes accordingly. You will have to submit the relevant documents which will alert the African Unity Life team to the fact that you wish to amend, change or even cancel your funeral cover policy. All of the information that you include must be correct and up-to-date, as this will help our team to amend your policy.

    All amendments will be confirmed to you in writing within your policy disclosure document.

  • When does my cover start?

    Your policy will activate on the first day of the month after receipt of your first premium and cover commences subject to the relevant waiting period.

  • What is the waiting period?

    Standard funeral cover waiting periods comprises of:

    • In the case of death due to natural or unnatural causes, other than accidental death,
      • you and your family will need to wait (3) three months;
      • extended family and parents need to wait (6) six months;
      • all members between ages 66-99 years will have to wait (9) nine months.
    • In the case of death resulting from accidental death, your funeral cover is valid after receipt of your first premium, as soon as your policy has activated.
    • In the event of a suicide, the waiting period for your funeral cover will be (12) twelve months.

    These waiting periods are put in place not only to protect your family from fraud but also to protect African Unity Life from fraudulent claims. We believe that taking out funeral cover at the last moment is detrimental to financial planning and for your future. These waiting periods help to avoid any shortcomings that could occur if you do not apply for funeral cover at an early stage.

    African Unity Life is adept at handling risk, which is why we follow the guidelines of the standard waiting periods in terms of the applicable legislation. Your family will have peace of mind knowing that they will be covered fully should you pass away in an untimely manner due to accident or illness.

  • How long does my cover last?

    Your funeral cover will remain active as long as you pay the full premium on time every month up until your death, or until you stop making payments. If you are unable to make the regular payments, your cover will lapse.

    We do provide a grace period of 15 days in keeping with the Policyholder Protection Rules (Rule 15A) which state that all insurers must offer a grace period in which you are able to make a payment if the payment was missed on the specified date that you need to pay. For example, if you had a debit order that was supposed to be debited on the first of the month, you have until the sixteenth day of that month to make your payment.

    In the case of your spouse, children or another family member, their cover will end upon your passing or their passing. This is dependent on which happens first. Cover for your children will run out if they pass away or when they reach 21 years of age. Again, this is dependent on which occurs first. If your child is mentally or physically impaired and financially dependent on you, their cover can extend up to age 65. If your child is still a student and financially dependent on you, then their cover can extend up to age 25.

    Keeping your funeral cover premiums up to date will ensure that their cover and your own does not run out before you need to make a claim.

  • Can I reinstate my policy?

    If your funeral insurance policy lapses or is suspended due to non-payment of premiums, it can be reinstated subject to specific terms and conditions as stated in your Policy Disclosure Document. If you need to reinstate your policy, the same waiting periods may apply as when you have applied for this funeral cover originally.

    The following arrangement is put in place to protect both you, as the client, and African Unity Life from fraudulent activity on your account. You must provide the relevant documentation requested when you apply for reinstatement, and we will have a look at your risk profile while also taking into account the fact that you might have lapsed payments under your name.

    Our process of reinstatement will depend on how much time has passed since your policy has lapsed and how many payments were missed. This is further explained in your Policy Disclosure Document.

    We understand that life can be full of unexpected situations, which is why we will take all the details into account while considering the reinstatement your funeral cover.

  • Can I decide who receives the money in the event of my death?

    Yes you can! During the application stage or at anytime during the duration of your policy, you will be able nominate your funeral cover beneficiary and this person will receive the benefit when you pass away. If you have not nominated a beneficiary, the money will be paid to your estate. Note that all pay-outs are only made to valid South African bank accounts.

    It is important to take this decision seriously, as the beneficiary of the funeral plan will be tasked with planning your funeral and using the money to care for your family after you have passed away. Funerals often have hidden expenses, so the person you nominate as a beneficiary will need to understand this and be able to use the pay-out in a smart and cost-effective way.

    If you have more than one child on your policy, you can list all of them as your beneficiaries so that they will receive the benefits of your policy when you have passed away.

    In the unfortunate event of the death of your beneficiary, you will need to contact African Unity Life and alert us that you will need to change who the beneficiary is. You must remember to keep the details of all beneficiaries up to date, especially their ages, contact details, and financial status. This is particularly important if you are naming children as beneficiaries and dependants, as their premiums and coverage will change according to age and income status.

  • Is there a limit to the number of people I can cover on my policy?

    Yes, the limits will be discussed with you when you initially take out the policy. But the most important point is whether you can afford the premium for all the people you want to cover on the policy. The more people you cover, the more expensive the policy becomes.

    If you would like to cover your parents, grandparents or siblings, you will need to add the extended family funeral benefits. This will allow you to add more people who are not your immediate family, and your premiums will be calculated accordingly. The premiums might be affected by how much funeral cover your dependants need based on age.

    While you are limited to a certain number of people you can cover, we advise you to think carefully about how a large number of dependants will affect your finances.

  • When does my policy lapse?

    A policy usually lapses after the non-payment of two consecutive premiums. It is therefore important that you pay your premium every month.

    As indicated on your Policy Disclosure Document, we have the grace period in place to allow you to gather the necessary funds to make up for your missed payment. This grace period should allow you enough time to collect the funds needed to make your payment.

    You should always aim to make the payments every month on your funeral insurance policy, as this will ensure that you and your family will remain covered for the duration of your policy with African Unity Life. If your spouse or partner was listed under the same plan, then upon your death, they will be given the option to continue with the policy. But if they choose not to continue, then the policy will lapse.

  • If my policy lapses, do I get a refund?

    No, unfortunately, you will not receive a refund if your policy lapses. Cover is provided on a month-to-month basis and there are no surrender values when your policy lapses.

    If you would like to avoid your funeral cover policy lapsing, you will need to make your monthly payments on time and ensure that you pay in the right amount each time.

  • What documentation do I receive when I take out the policy?

    Upon successful application you will receive a Welcome letter and a Policy Disclosure Document that confirms the terms and conditions and a number of important points such as:

    • The members covered on your policy
    • Breakdown of the premium and cover for each member
    • Starting date of the policy’s covering
    • Applicable waiting periods

    Having this knowledge will prepare you for the duration of your contract with us and enable you to make claims in the correct manner without any issues.

    It is important to keep this documentation stored safely and in an easy-to-find place in case you need to claim or make any changes to your policy.