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 include a wide range of great benefits. We tailor a plan that's right for you based on what you can afford, what your needs are, and who needs cover. 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.

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 funeral 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 - you, your family, your parents or extended family?
  • What do you need the plan to cover - just the basics or grocery and education benefits?

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 offer a variety of funeral plans to meet a wide range of needs - from single parent to extended family cover.


We know times are sometimes hard. You can miss up to 6 premiums.

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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 additional benefits. Identify what you need from a funeral policy upfront and then compare the funeral cover options available before making your choice. Compare the Old Mutual funeral cover plans in the table below.

Funeral Plan
Funeral Plan
Maximum cover 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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