Best Funeral Cover Plans in South Africa
Flexible, affordable funeral cover designed to protect your entire family. No medical tests, up to 18 family members, fast claims.
Why You Need a Funeral Policy
The average funeral in South Africa costs between R15,000 and R30,000. For many families, this unexpected expense creates devastating financial hardship at the worst possible time.
Ubuntu Life funeral cover ensures your family never has to worry about funeral costs. When you pass away, we pay out a cash lump sum within 48-72 hours—giving your loved ones the resources they need to arrange a dignified farewell without financial stress.
Cash Payout
Receive funds directly—use them for the funeral or any expenses your family needs
Whole Family
One policy covers you, your spouse, children, parents, and extended family
Fast Claims
Claims paid within 48-72 hours — no lengthy waiting or unnecessary delays
Funeral Insurance Coverage That Fits Your Life
Every family is unique. That's why we offer flexible plans that can be customized to match your specific needs and budget.
Advanced Family
Basic cover for individuals and couples who want peace of mind without breaking the bank.
Advanced Pensioner
Funeral cover for pensioners aged 60–84 with flexible cover options and optional family add-ons.
Golden Care
Maximum cover for ultimate peace of mind. Protect your entire extended family with priority service.
All plans include no hidden fees and the right to cancel anytime. Premiums shown are starting prices and may vary based on age and cover amounts selected. Subject to terms and conditions.
Use our funeral cost calculator to see how much you could save.
Who Can You Cover?
South African families are big. That's why our policies let you protect everyone you love under one plan.
Main Member
The policyholder and primary insured person
Spouse
Your husband, wife, or life partner
Children
Natural, adopted, and stepchildren
Parents
Your mother and father
In-Laws
Your spouse's parents
Grandparents
Your grandparents on both sides
Grandchildren
Your grandchildren and great-grandchildren
Extended Family
Aunts, uncles, cousins (Golden Care Pensioner plan)
Funeral Policy Benefits Included
Every Ubuntu Life policy comes packed with valuable benefits at no extra cost.
Cash Lump Sum Payout
Receive your full cover amount as a cash payment within 48-72 hours. Use it for funeral costs, outstanding debts, or any expenses your family needs.
Dedicated Support Agent
Get a personal support agent who guides you through every step of the claims process. Real people who care, not automated systems.
Mobile App Access
Manage your policy, add family members, track claims, and make payments right from your phone. Everything you need, at your fingertips.
Immediate Accident Cover
No waiting period for accidental death—your cover starts immediately from day one. For natural causes, standard waiting periods apply.
24/7 Support Hotline
Our compassionate multilingual team is available around the clock. When you call, a real person answers—not a machine.
Mobile App Access
Manage your policy from anywhere. View details, add members, check payments, submit claims, and chat with support—all from your phone.
Funeral Cover Waiting Periods Explained
All funeral cover policies in South Africa have waiting periods as required by law. Here's what you need to know about when your cover becomes active.
Accidental Death: Covered immediately from day one. No waiting period applies if death is due to an accident.
Natural Causes: A 6-month waiting period applies for death due to natural causes (illness, disease). After 6 months, you're fully covered.
Suicide: A 12-month waiting period applies from the policy start date, as required by regulation.
Learn more about how to submit a claim when the time comes.
Day 1
Accidental death cover active
6 Months
Natural cause cover active
12 Months
Suicide cover active
Ubuntu Life vs Traditional Funeral Insurance
See why thousands of South Africans are switching to Ubuntu Life.
| Feature | Ubuntu Life | Traditional Insurers |
|---|---|---|
| Family Members Covered | Up to 18 members | 4-6 members |
| Claims Processing Time | 48-72 hours | 2-4 weeks |
| Family Members Covered | Up to 18 people | Usually 6-10 |
| Mobile App | Full-featured app | Limited or none |
| Medical Exams | Not required | Often required |
| Dedicated Agent | Personal agent assigned | Call centre only |
| 24/7 Support | Yes, real humans | Limited hours |
Frequently Asked Questions
How do I sign up?
You can sign up online in just 5 minutes through our website or app, or call us and one of our friendly agents will help you.
How are claims paid?
Claims are paid as a cash lump sum directly into the beneficiary's bank account within 48-72 hours of receiving documents.
Can I add family later?
Yes! You can add additional family members to your policy at any time through the app or by contacting our support team.
Can I cancel anytime?
Yes, you can cancel your policy at any time with no penalties or cancellation fees. Simply contact our support team.
Visit our complete FAQ for more answers.
Get Affordable Family Funeral Cover Today
Join over 60,000 South African families who trust Ubuntu Life. Get covered in minutes with no medical tests. From just R60/month.