AVBOB Funeral Cover2023-02-20T09:20:09+00:00
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Who Is AVBOB? – Let’s Get Started!

This well-known provider needs very little introduction. AVBOB has been around since 1918. This makes them 100 years old. Any company that can survive this long is obviously doing something right. They are one of the most comprehensive providers in South Africa. With this funeral insurance provider, you get more than just a cash payout. You can get free benefits up to R21 500* over and above the cash payout. Members get a free funeral to the value of R13 303. They can arrange the burial on your behalf. This makes it a very effective way to part with a loved one. Policy holders can get from R5 000 to R50 000 cover starting from as little as just R46 p/m.

You can apply for your free quote today! Simply complete the contact form below. One of our qualified agents will give you a call to discuss your needs. Our dedicated team is waiting to assist you. All our quotes are done via telephone. If you are satisfied with your final quote, we can arrange your policy at no additional cost. That’s right, sign up without paying a cent extra! We are a registered financial services provider: InSHoor™ –  FSP# 43216

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  • Cover Levels Range From  R10 000 to R50 000

  • Free Benefits Totals up to R21 500.*

  • Free Basic Funeral Up to R13 303.*

  • Immediate R3 000 Cash Upfront.*

  • No Medical Examinations or Questions

  •  Includes Various Funeral Arrangements

  • 6 Month Waiting Period Only for Natural Causes

  • No Waiting Period for Accidental Death

  • Double Payout for Accidental Death

  • Free Retrenchment Benefit.*

  • Valid Claims Paid Within 48 hours.*

  • Pay for One Child, the Rest are Free

  • CashBack After Every 5 Years.*

  • Free Benefits Available to all Insured Lives

  • Transportation of the Deceased

  • Use of Modern Hearse & Cooling Facilities

  • Nationwide Footprint with 200+ Branches

  • From Just R46 p/m


  • Cover From R10 000 to R50 000

  • Free Benefits up to R21 500.*

  • Free Basic Funeral Up to R13 303.*

  • Immediate R3 000 Cash Upfront.*

  • No Medical Examinations

  •  Includes Funeral Arrangements

  • Double Accidental Death Payout

  • Free Retrenchment Benefit.*

  • Claims Paid Within 48 hours.*

  • Pay For One Child Only.*

  • CashBack After Every 5 Years.*

  • Free Benefits Available to All

  • From Just R46 p/m

10 Reasons Why You Need Funeral Cover?

  • Makes Cash Money Available to Your Family Members Quickly

  • Get Many Free & Optional Value Adding Policy Benefits

  • Arrange a Dignifying Burial for Your Loved One

  • Cover Your Direct & Indirect Family Members on Your Policy

  • Support & Assistance from Policy Service Provider

  • Get Peace of Mind That You & Your Family are Insured

  • Focus on Family While Your Insurance Claim Settles

  • Get Double Payout for Accidental Death

  • Customise Your Insurance Policy to Suit Your Needs

  • Get Up to R60 000 Cover From Just R37 Per Month

Smiling Man - 7 Reasons to get Funeral Covers
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How to Get a FREE Quote & Sign-Up for a Policy?

To get your free quote, all you need to do is complete a basic contact form. One of our qualified agents will get in touch to discuss everything with you. We will explain all the benefits and how the product works. Once you understand the policy, we do a free quote for you. You tell us who you want to cover and how much you want to cover them for. We help you chop and change the policy until you are satisfied with your monthly premium. If you are satisfied with the policy structure, we arrange everything for you. It does not cost you anything extra to use our service.

How does AVBOB Calculate Premiums?

Premiums are calculated using a couple of factors. The first thing we look at is the person’s age. The older you are, the more it will cost. Combining age with cover amount is the starting point to determine how much it will cost. You can add your direct family and up to 6 extended family members. Every member you add will cost you more. It depends on the relationship, age and cover amount. You can add or remove cover until you are comfortable with the monthly cost. Once we know all the members of the policy, we combine the premium into one monthly premium.

What Makes AVBOB a Good Choice?

One of the main reasons why AVBOB is a great option is the free funeral services. To explain this better, let’s look at the difference between a cash only and cash with benefits policy. A cash only policy will pay a lump sum to the beneficiary. The beneficiary then has to find providers for burial products and services. For example, you will need a tombstone, coffin, flowers, venue, musicians, pamphlets, grave site, etc. The beneficiary can use multiple providers to find the best deals on all the products and services. This is great for an experienced person who knows how to arrange a funeral. The last thing an upset family wants is to struggle to arrange the service.

With AVBOB, you have the option to take the money and arrange everything yourself. Alternatively, you can let them do everything for you. This is an easy and convenient way to get things done effectively. The beneficiary will choose all the products and services they want. The money will be deducted from the cash payout. All money that remains will still be paid out to the family. This means that you do not have to struggle to find everything you need; you can get it from under one roof. If you decide to use them for the funeral service, you get up to R21 500 free benefits over and above the cash payout. This includes a free basic funeral of up to R13 303.

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Policy Benefits & Features

Accidental Death Benefit Icon

Accidental Death Benefit

Free Funeral Benefit Icon

Free Basic Funeral

Accidental Death Benefit Icon

Cashback Benefit

Fresh Flowers Benefit Icon

Fresh Flowers


R3 000 Cash Upfront

Tent & Chair Benefit Ion

Use of Tents & Chairs

Modern Hearse Icon

Use of Modern Hearse

Mortuary Icon

Use of Mortuary

Accidental Death Benefit Icon

Accidental Death Benefit

Custom Catering Benefit Icon

Custom Catering

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Guy Explaining AVBOB Benefits

8 Reasons to Choose AVBOB for Your Funeral Policy

  • Get Affordable Cover from One of the Best Providers in SA

  • Includes Free Funeral Services up to R21 500*

  • AVBOB has More than 200 Branches Countrywide

  • Quick Cash Payout. Valid Claims Are Settled Within 48 Hours.*

  • Get Funeral Services & Burial Products from the One Provider

  • AVBOB has More than 100 Years’ Experience in the Industry.

  • They Have Paid Out More than 3.5 Billion In Bonuses

  • They are Africa’s largest Mutual Assurance Society providing

Funeral Benefits vs Cash Only Option

There are two ways you can use your policy. It is the same policy. It’s all comes down to how you decide to use it. At the end of the day, you can decide what works best for your needs. The decision is made when it comes down to a claim.

Cash Only Policy

The first option is a cash only plan. What this means is you can take a cash lump sum and arrange everything on your own. This is a great way to shop for the best deals. This option is slightly harder and can take a lot of time and effort. The advantage of this option is that you can possibly save money and get the exact products and services you need.

Cash with Benefits Policy

With the free funeral services options you get a lot of additional benefits. If you decide to make use of AVBOB to arrange the burial, you can get up to R21 500* in free benefits. This includes a free basic funeral of up to R13 303*. They can arrange almost every product and service you may need. You can choose what products or services you need. The cost will be deducted from the insured amount. All money that remains after the burial will be paid to the beneficiary. You can get your tombstone, coffin, flowers and even catering directly from them. We believe that this is the best option, however, it comes down to what you need.

Frequently Asked Questions

To see the answer below, simply click on the + logo.

Can I Get A Policy If I’m Sick?2018-08-21T12:45:07+00:00

There are no medical examinations or medical questions. This means that regardless of your health status, your acceptance is guaranteed. Please remember that there is a 6 month waiting period for death due to natural causes. This is to stop people from taking out a policy last minute. Accidental death will be covered from the first premium.

How Do I Submit a Claim?2018-08-21T12:23:13+00:00

To claim you need to contact your provider directly. Most providers have very easy to complete claim procedures. In most cases, you will have access to a 24 hour telephone line that offers assistance in the event of a claim. Your provider will let you know exactly what they need to get the process started. Once you submit all the documents, claims can settle as quickly as 48 hours. Some providers settle claims in a couple of hours.

Can I Make Changes to My Policy Later?2018-08-21T12:22:39+00:00

You sure can. You can increase or decrease cover. You can also add or remove members. All you need to do is contact us and we will assist you with any required changes.

Are There Age Limits?2018-08-21T12:21:52+00:00

It depends on the product. With most providers, a normal policy will cover you up to around the age of 76. Some providers have elderly policies that will cover up to the age of 86. For people who are older, there are some providers that offer a pre-paid funeral option. The older you are the more expensive it becomes to take out protection. We always suggest that you take cover sooner rather than later.

What Happens if I Don’t Have A Policy?2018-08-21T12:21:24+00:00

Unfortunately this is a reality for many South Africans. The family usually has to resort to employers, friends & family. This can be very stressful. When someone you love passes away, the last thing you want is to try and find donations. If you do not have a policy, this might be the only way to arrange a decent burial. Funerals are expensive, not everybody can afford it on the spot. An insurance policy can help you be prepared at all times.

Who Needs This Policy?2018-08-21T12:20:59+00:00

The short answer is everybody. The long answer is also everybody. If you do not have some form of funeral insurance, you are at risk. Death can happen to any person of any age. Death does not only happen to the elderly. In South Africa, we often hear about deaths due to accidents or even murder. Regardless of your age, the responsible thing to do is be prepared.

Is There Cashback if I Don’t Claim?2018-08-21T12:20:35+00:00

There is a cashback benefit every 5 years. This feature will pay 12 months premiums every 5 years of no claims. The money will be paid back to the premium payer. This money can be used for saving, buying something nice or even a quick holiday. This is one of the many ways the provider likes to thank you for your loyalty. settle claims in less than 24.

Is There a Waiting Period?2018-08-21T12:19:50+00:00

There is a 6 month waiting period for natural causes. This means that if you die due to illness within the first 6 months, there will unfortunately not be cover. However, if you die due to an accident, you will be covered from the first premium. As a matter of fact, you receive double the amount of cover if you die due to an accident. The reason for this waiting period is there are no medical examinations. It stops people from taking out a policy while they are on their death bed. The provider gives clients the benefit of the doubt. This is an industry standard.

Who Can I Include in My Policy?2018-08-21T12:19:20+00:00

You can include your direct family. This means your spouse, children & parents. You can also cover up to 6 extended family members. This means, uncle, sister, cousin, etc. With AVBOB you only pay for one child, the rest will be for free. As long as it’s your own kids, they fall under this feature.

What is the Purpose of Funeral Covers?2018-08-21T12:23:37+00:00

When a person passes away, it costs money to bury them. In some cases, the family will have to scrape together money for a funeral service. An average to small funeral can easily cost R15 000. This is a lot of money if you have to pay it without warning. A funeral cover policy will make money available within 48 hours after you claim. This makes money available quickly.


Fantastic experience. The agent was very knowledgeable and helped a lot.

Warren, Gauteng

I can honestly say this was the best service I received in a very long time. Thank you very much.

Patrick, Gauteng

I can now rest assured that my family is covered. The agent was extremely friendly.

Priscilla, Eastern Cape

I got a call minutes after applying. The process was quick and easy.

Thabang, Durban

Well done to the team. I appreciate your help in finding the right policy.

Ntombi, Limpopo


AVBOB is an amazing policy with a lot of great benefits. Most notable, you get free services of up to R21 500* – The free benefits are over and above your cash payout. With this fantastic provider, you can get everything from under one roof. This is very helpful in a time of need. You do not have to struggle to arrange a burial. You can get up to R50 000 cover starting from just R46 per month.

To Get Your Free Quote, simply complete a contact form anywhere on our website. One of our friendly agents will give you a call to explain how everything works. Once you are satisfied with your free quote, we can arrange your cover at no additional cost. You can get cover from the comfort of your home. We can do everything for you while you sit back and relax. We do all the hard work so you don’t have to.

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