Funeral cover is an insurance policy that will make money available when an insured live is lost. You pay a small monthly premium each month. When a live is lost, you submit a claim. The amount paid is determined by you. The higher the amount of cover, the more it will cost. Most funeral plans have some form of extra benefits. The benefits are there to improve the product. Some of these benefits are free; others will be at an additional cost. For example, with an AVBOB policy, you receive free benefits of up to R16 000. This is over and above the cash payout.  A funeral plan will help take the stress out of planning a burial. Not having enough money in a time of need can be very difficult. You can include your direct and indirect family under your policy.