How does funeral cover work?

Funeral cover works by paying a monthly amount towards a funeral plan so that in the event of death, a specified amount will be paid out to your family. This means that during this difficult time, the costs of a funeral will be covered so that your family won’t have to struggle with the expenses.

What do funeral plans cover?

Old Mutual Funeral Plans cover a wide range of great benefits, so based on what you can afford, what your needs are, and who needs cover, we tailor a plan that’s right for you. Saying goodbye can be costly and much can be overlooked during your time of grief, so plan ahead and look at our options to see which one is best for you and your family.

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.

Which funeral cover is best for me?

You no doubt want the best funeral cover available in South Africa. When deciding which funeral cover is the best for you, the exact amount covered will depend on your unique situation. When choosing a policy, everyone’s needs will differ. Consider the following before making your choice:

  • How much can you afford to pay every month?
  • Who do you need cover for?
  • What do you need the plan to cover?

If you would like assistance with making the choice best suited to your needs, then let us know by using the call me back option below. You can also use our quick quote tool to get an idea of what you can expect to pay each month for funeral cover.

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.

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

What we offer

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. Some funeral policies are available for purchase over the phone or via financial advisers. The table below gives a brief comparison of the Old Mutual funeral cover plans.

Funeral Cover
Funeral Plan
Final Expenses
Maximum cover R70 000 R70 000 R100 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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