Funeral Plan

Exodec Family Funeral Plan can cover you, your spouse and dependent children so that your loved ones will not be left with any funeral costs. With the Exodec Family Funeral Plan, you can choose the level of cover you need and make monthly payments that fit your budget. Get a quote now and find out how much cover you need to protect your family.

Insurance that pays a lump sum for you to be able to cover expenses when a loved one passes away.

Exodec Family Funeral Plan provides cover for an individual (single) members, married couples, single parent’s as well as family cover. The benefit for the main member and spouse is the same on a funeral plan. Children’s benefits depend on what their ages are at claim stage.


Extended family members can be added to any Funeral plan at an additional cost depending on their age and the benefit they want. An additional 8 extended family members can be added. Included in the product is Repatriation of Mortal Remains within South Africa and neighbouring SADC countries.

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Product Rules:

  • Standard Funeral Cover for a Single Member, Married Couple, Single Parent or Family Plan
  • Whole of life – the Policy will be active for as long as premiums are paid and will not terminate at a certain age
  • Maximum entry age 85 on selected benefits
  • Personal Service
  • Claims paid out within 48 hours after receiving all required documents
  • No Medical examination or medical questionnaire required
  • Principal Member entry age determines rate
  • Waiting Period on death due to natural causes is 6 months from receipt of first premium
  • No waiting period on accidental death on condition the first premium has been paid
  • Suicide excluded for 12 months
  • 5 children included in package

  • Cover of child aged between:
  • 14–22 years same as principal member
  • 6–13 years 50% of principal member
  • Stillborn – 5 years 25% of principal member
  • Stillborn cover included on family plan only
  • Cover for children that are students up to and till 25 years – proof must be provided annually from a registered tertiary institution

  • Marriage Certificate
  • Lobola Letter with Chief letter confirming traditional marriage
  • If Life partners proof of this in the form of e.g. Utility bill with details of both main member and spouse or Medical aid membership or Birth Certificates of Children or Bond application or Rental Agreement
  • If this cannot be provided the person will have to take out a policy for themselves
  • No ex-spouses or ex-life partners can be covered as that relationship has been terminated and there is no insurable interest according to law

  • Additional extended family members can join up till 85 maximum & allowed at a rate per member as determined by their age at entry
  • Cover included for citizens from neighbouring countries (SADC) legally residing and working in South Africa; they must have valid passport and work permit
  • Nominated family legally residing with the main member in South Africa can also be covered
  • No illegal persons can be covered
  • No Foreigners living outside the border of South Africa can be covered

  • Previous underwriting by a reputable underwriter can be provided indicating the same cover amounts, terms and conditions
  • As well as proof of premium payments for the previous 6 months paid over and received by the reputable underwriter and
  • A copy of the cancellation letter to the previous underwriter

  • Please also take note that:
  • A copy of the ID and proof of address must be supplied for the main member
  • All nominated family members’ ID numbers and if possible a copy/photo thereof must accompany the application
  • No ex-spouse or ex-life partners can be covered as there is no insurable interest according to law anymore

  • Repatriation of mortal remains within the borders of South Africa and to neighbouring countries, by road, is included in the policy

  • Funeral Assistance for when the Main Member or Spouse passes away is also included in the policy
  • R750 Airtime
  • R1000 Electricity Voucher
  • R2000 Grocery Voucher

Product is underwritten by Guardrisk Life Limited, FSP 76 and a licenced life insurer in terms of the Insurance Act.