Life insurance
A dignified goodbye, paid out fast.
Funeral cover that helps your family say goodbye without the financial scramble.
- Whole-family cover
- Fast payouts
- Repatriation
Funeral cover makes sure that when a loved one passes, your family can give them a dignified send-off without scrambling for money or going into debt. In South Africa, where funerals carry deep cultural importance and real cost, a fast payout in the days that matter most lifts a heavy weight off grieving families.
Ample arranges funeral cover for you and your extended family across South Africa's leading insurers — with quick claims (often paid within 48 hours), cover that fits your culture and budget, and no medical exams to get started.
What Funeral Cover covers
Whole-family cover
You, your spouse, children, and often parents, in-laws and extended family on one policy.
Fast payouts
Some providers aim to pay valid claims within 24–48 hours of receiving all required documentation. Payment times differ between products.
Repatriation
Transport of the deceased to their home town for burial, including across provinces.
No medical exams
Cover with a simple application and no blood tests — just a short waiting period.
Flexible cover amounts
Choose a benefit that matches the funeral you want, from modest to comprehensive.
Added benefits
Optional grocery, tombstone and grief-counselling benefits on some plans.
Who funeral cover is for
- Anyone wanting to protect family from funeral costs
- People supporting extended family members
- Those who want cover without medical underwriting
- Families needing repatriation across South Africa
Funeral Cover FAQs
How quickly is funeral cover paid out?
Some insurers aim to pay valid funeral claims within 24 to 48 hours of receiving all required claim documentation. Payment times, waiting periods and eligibility differ between products — your broker will confirm the terms that apply to your policy.
Is there a waiting period?
Yes, most policies include a waiting period for natural causes — typically around 6 months, though this differs between products. Cover for accidental death may apply sooner, subject to the policy terms. We'll confirm the exact terms on your plan.
Can I cover my extended family?
Yes. Most plans let you add your spouse, children, parents, in-laws and extended family members on a single policy, often without medical tests.
Do I need a medical exam to take out funeral cover?
No. Funeral cover doesn't require medical tests — you can be covered with a simple application, which is why it's so accessible.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
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