A question we get asked a lot is why there is a waiting period and what does this mean? On this page, we will discuss this topic and explain why funeral cover waiting periods make sense. The first thing we will look at is what a waiting period means. Secondly, we will look at why this is an important matter. This article is based on our own research and experience and is based on our opinion.

Funeral Plan - Old Playful Couple


In South Africa, a funeral plan is a big deal. We have a lot of different cultures each with their own believes. On this page, we will look at some reason why a person needs a funeral plan for their family. A proper burial is an expensive thing. Not having cover can cost you a lot of money in the event of loss. This article is based on our own research and experience and is based on our opinion.

Who Needs a Funeral Plan?

Well in short. Everybody needs a funeral plan. This is obviously a very generic response. So let’s look at our reasoning. Firstly, as we all know, death does not discriminate. Death does not ask your background, age or health status. When it’s your time, it’s your time. This means that regardless of your age, you are always at risk. Not everybody thinks that they are at risk. Keeping in mind the high crime rate in South Africa, everybody is at risk. Like any insurance, a great policy can help you a lot in hard times. Memorials are expensive; not having money can be distressing.

Does My Age Make A Difference?

The older we become, the higher our risk for natural causes of death. This does not mean young people should not take this type of insurance seriously. We often hear stories of a breadwinner of a family passing away. The family might not have enough money to arrange a deserving funeral. Family members have to rely on friends and family to pay the burial bills. You need to get a coffin, tombstone, flowers, catering, etc. All this cost money regardless of your age. A young person might be at higher risk of accidental death. Your age should not be the biggest factor. We always suggest that you do not wait until it’s too late.

How do They Calculate Funeral Plan Premiums?

Premiums are calculated using the age, cover level, relationship etc. Each person will have their own premium based on the amount of cover. The higher the cover, and the older you are, the more your policy will cost. If you are a young person with a small family, you can easily get a proper funeral plan for around R50 p/m. This is a small price to pay considering that a burial can easily cost more than R20 000. Obviously the bigger the funeral, the more it will cost. The older you are the higher the cost. Most providers also have a cut of age. In most cases this is around 76 years old. However, there are some products to cover the elderly.


If you can afford it, we strongly suggest you look at getting a funeral plan. You can cover family members who can’t afford to get cover. Using our service, you can get a free quote. There is no obligation. If you are not happy with your funeral plan, we simply cancel the request. It’s worth getting a quote to see how much it will cost. You can then calculate the value. Feel free to speak to one of our qualified agents regarding your needs.

Funeral Cover Quote Banner
Friendly Lady Applying for a Funeral Cover Quote
Click to rate this post!
[Total: 0 Average: 0]