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Answers to your questions about funeral insurance cover.

WHEN DOES FUNERAL INSURANCE PAY?

Funeral insurance, also known as a funeral plan, protects you and your family against the financial consequences of death. It pays out anywhere between 24 to 72 hours after death, provided that the relevant information like the death certificate is submitted on time. Depending on the plan you choose, funeral insurance will also pay out for a tombstone unveiling if this is a separate ceremony.

IS IT THE SAME AS LIFE INSURANCE?

No. Funeral insurance and life insurance are two different products. Funeral insurance pays out almost immediately to cover the costs of a funeral. The payout is usually sufficient to cover a dignified funeral with some extra benefits.  Life insurance pays out a much larger amount to provide for your family's financial needs in the short- and long term. It is intended to cover the financial needs of your family for months to years to come.

WHO WILL BE COVERED BY A FUNERAL PLAN?

It can cover just one person under an individual funeral plan. This ensures that your funeral will be funded without financially straining your family upon your death. A family funeral plan covers several family members under one policy. This includes your spouse/partner and children. Most family funeral plans also cover extended family members including your parents and even your in-laws on the same plan.

WILL A FUNERAL PLAN COVER SENIOR CITIZENS?

Yes. Funeral plans do provide cover for people over the age of 60 and this may cover seniors up to the age of 75 years. It is important to speak to your insurer about funeral cover for over 75 year olds. Some insurers will not cover any person over the age of 65 on a single policy but members up to 75 years may be included in a family funeral plan as a dependent.