Flexible Funeral Plan
A funeral isn’t something you plan for emotionally, but it’s something you can plan for financially. Funeral cover helps make sure your family isn’t left scrambling to cover costs when time and clarity are limited.
With our affordable funeral plan, you can put practical support in place ahead of time.
Voted Product of the Year 2025 & 2026 in the 'Funeral Planning' category*
*Product of the year is the largest consumer survey of product innovation worldwide with a presence in 40 countries. This independent survey is run by Kantar in SA and globally.
Why get funeral cover with us?
Cashback rewards
Receive 10% of your paid premiums back every 5 years – even if you claim
Double accidental cover
In the event of accidental death, your cover pays an additional amount equal to your payout to support your family
Unlimited family cover
Add unlimited family members to your policy, with up to R100 000 cover per adult
Premium waiver
Premiums are covered for up to 6 months if the main member or spouse passes away
What’s covered
- Get funeral cover for yourself, your spouse, children, parents, extended family, and household staff – with up to R100 000 per adult, all on one plan.
- Adult rates will apply if your children remain on your policy after the age of 21 or 25 if they are full-time students.
Choose optional additional benefits that work for you:
- Keep up with rising costs
Automatically increase your cover by 5% or 10% per year to stay ahead of rising funeral costs.
- Get rewarded for staying covered
Receive 10% cashback every 5 years on all premiums paid, whether you claim or not.
- Help with immediate funeral costs
Get up to R20 000 for memorial services or catering to help with expenses that can’t wait.
- Ongoing household support
Receive up to R2 000 per month for groceries (for 6 or 12 months), helping your family manage day-to-day costs.
- Bring your loved ones home
Get repatriation cover of R10 000 or R25 000 to transport family members with care.
- Stay connected when it matters
Choose an airtime benefit (R200, R500 or R1 000) to help your family stay in touch during a difficult time.
Standard Bank Insurance Brokers (Pty) Ltd (“SBIB”) is an authorised financial services provider (FSP (224). SBIB is a related company of The Standard Bank of South Africa Limited (“SBSA”), an authorised FSP (11287) and registered credit provider (NCRCP15). SBSA is a juristic representative of SBIB and is authorised in terms of a written mandate to render intermediary services on SBIB’s behalf. The product is underwritten by Liberty Group Limited, Liberty Group Limited is part of the Standard Bank Group and is a licensed life insurer and an Authorised FSP (2409). Terms and conditions, risks and limitations apply.
How it works
Who can be covered
You can cover yourself and your family on one policy:
- Main member and spouse: 18-65 years
- Children: covered from birth (up to 21, or 25 if studying full-time)
- Parents and parents-in-law: 18-84 years
- Extended family members: from birth up to 84 years
- Unlimited family members can be added
Getting covered is simple
- No medical tests or underwriting required
- You can switch from another insurer and waive waiting periods
When your cover pays out
- Accidental death: No waiting period. Cover immediately starts after first premium
- All other benefits: 6-month waiting period
- Suicide: 12-month waiting period
Plan flexibility
- Choose up to 5 beneficiaries
- Add and manage cover for multiple family members under one plan
What it costs
You choose what you pay
- With our Flexible Funeral Plan, your premium is based on what works for you, so you stay in control.
- Your premium depends on the cover amount you choose and the ages of the people you add
- An additional premium will be charged for the optional benefits you select
Build a plan that fits your budget
1. Add optional benefits to increase your level of support
2. Choose to increase your cover each year to keep up with rising costs
3. Clear and transparent pricing
There are no hidden fees – your premium already includes all applicable costs
Standard Bank Insurance Brokers (FSP224) earns a binder fee and a commission on the sale of this policy at a rate that is included in the premium and that includes VAT.
How to get it
Are you an existing Standard Bank customer?
1. Apply on the Banking App
- Sign into your Standard Bank App
- Tap on the purple explore icon on the top-left corner
- Scroll down to Insurance and select “Life & Personal”
- Select the Flexible Funeral tile and follow the steps to apply
2. Apply via WhatsApp
- Text “Hi” to +27 64 570 0291
- Select option 3 for Insurance
- Select option 1 for Standard Bank Insurance Brokers
- Select option 1 for “Sales Virtual Assistant” to start your quote
- Follow the steps to get your quote
3. Apply online
- Visit the Standard Bank Insurance websiteto apply online
- 4. Apply via Cellphone Banking
- Dial *120*2345#
- Select option 5 for Flexible Funeral Plan
- Follow the steps to get your quote
Not a Standard Bank customer?
- Click on the “Get your free quote” button at the top
- Follow the simple steps
- Click “Continue” and “Complete application”
-
What’s covered
-
How it works
-
What it costs
-
How to get it
- Get funeral cover for yourself, your spouse, children, parents, extended family, and household staff – with up to R100 000 per adult, all on one plan.
- Adult rates will apply if your children remain on your policy after the age of 21 or 25 if they are full-time students.
Choose optional additional benefits that work for you:
- Keep up with rising costs
Automatically increase your cover by 5% or 10% per year to stay ahead of rising funeral costs.
- Get rewarded for staying covered
Receive 10% cashback every 5 years on all premiums paid, whether you claim or not.
- Help with immediate funeral costs
Get up to R20 000 for memorial services or catering to help with expenses that can’t wait.
- Ongoing household support
Receive up to R2 000 per month for groceries (for 6 or 12 months), helping your family manage day-to-day costs.
- Bring your loved ones home
Get repatriation cover of R10 000 or R25 000 to transport family members with care.
- Stay connected when it matters
Choose an airtime benefit (R200, R500 or R1 000) to help your family stay in touch during a difficult time.
Standard Bank Insurance Brokers (Pty) Ltd (“SBIB”) is an authorised financial services provider (FSP (224). SBIB is a related company of The Standard Bank of South Africa Limited (“SBSA”), an authorised FSP (11287) and registered credit provider (NCRCP15). SBSA is a juristic representative of SBIB and is authorised in terms of a written mandate to render intermediary services on SBIB’s behalf. The product is underwritten by Liberty Group Limited, Liberty Group Limited is part of the Standard Bank Group and is a licensed life insurer and an Authorised FSP (2409). Terms and conditions, risks and limitations apply.
Who can be covered
You can cover yourself and your family on one policy:
- Main member and spouse: 18-65 years
- Children: covered from birth (up to 21, or 25 if studying full-time)
- Parents and parents-in-law: 18-84 years
- Extended family members: from birth up to 84 years
- Unlimited family members can be added
Getting covered is simple
- No medical tests or underwriting required
- You can switch from another insurer and waive waiting periods
When your cover pays out
- Accidental death: No waiting period. Cover immediately starts after first premium
- All other benefits: 6-month waiting period
- Suicide: 12-month waiting period
Plan flexibility
- Choose up to 5 beneficiaries
- Add and manage cover for multiple family members under one plan
You choose what you pay
- With our Flexible Funeral Plan, your premium is based on what works for you, so you stay in control.
- Your premium depends on the cover amount you choose and the ages of the people you add
- An additional premium will be charged for the optional benefits you select
Build a plan that fits your budget
1. Add optional benefits to increase your level of support
2. Choose to increase your cover each year to keep up with rising costs
3. Clear and transparent pricing
There are no hidden fees – your premium already includes all applicable costs
Standard Bank Insurance Brokers (FSP224) earns a binder fee and a commission on the sale of this policy at a rate that is included in the premium and that includes VAT.
Are you an existing Standard Bank customer?
1. Apply on the Banking App
- Sign into your Standard Bank App
- Tap on the purple explore icon on the top-left corner
- Scroll down to Insurance and select “Life & Personal”
- Select the Flexible Funeral tile and follow the steps to apply
2. Apply via WhatsApp
- Text “Hi” to +27 64 570 0291
- Select option 3 for Insurance
- Select option 1 for Standard Bank Insurance Brokers
- Select option 1 for “Sales Virtual Assistant” to start your quote
- Follow the steps to get your quote
3. Apply online
- Visit the Standard Bank Insurance websiteto apply online
- 4. Apply via Cellphone Banking
- Dial *120*2345#
- Select option 5 for Flexible Funeral Plan
- Follow the steps to get your quote
Not a Standard Bank customer?
- Click on the “Get your free quote” button at the top
- Follow the simple steps
- Click “Continue” and “Complete application”
Frequently asked questions about our Flexible Funeral Plan
What is funeral cover and how does it work?
Funeral cover is designed to give your family quick financial support when someone passes away. It specifically covers funeral-related costs and immediate expenses.
What does a funeral plan cover?
A lumpsum cash payout is paid to the beneficiary upon death when the insured person passes away. The money is usually paid quickly to help with immediate costs, such as:
- Burial or cremation costs
- Funeral services
- Coffin or urn
- Transport of the deceased
- Flowers, catering, and other arrangements
How do I claim funeral cover?
There are 3 ways to claim:
- Call us on 0860 123 999
- Say “Hi” on WhatsApp (+27 645 700 291)
- Visit your nearest Standard Bank branch
These are the documents you’ll need to submit a claim:
- Certified copy of death certificate
- Notification of registration of death
- Burial order
- Certified copy of the claimant's ID
- Proof of relationship (like a marriage or birth certificate)
- Additional documents may be required for unnatural death claims
When claiming, please note:
- Claims must be submitted within 12 months of the insured person's death
- The policyholder and premium payer is required to provide proof of their relationship with the main life insured and other insured members on the policy
- Claims are processed by the Liberty Group once all information is verified
- Approved claims are paid out within 48 hours from receipt of all documents required for claim approval
How long does a claim take?
The claim payout depends on the information and documentation provided during claims process. Funeral claims are usually paid within 48 hours.
Who can claim my funeral cover?
- Your nominated beneficiary (maximum of 5 beneficiaries allowed) is the first person entitled to claim.
- If no beneficiary is nominated, the spouse (if covered/insured on the policy) can claim and receive the funeral cover payout.
- If there are no beneficiaries or spouse, the funeral cover is paid to the policyholder’s estate.
Important:
- The person claiming must prove they are entitled to the benefit before payment is made.
- A claim must be valid, and all policy conditions must be met (e.g., premiums paid, correct details provided).
- Supporting documentation (e.g., death certificate, ID, relationship proof) is required.
How do I manage my existing Flexible Funeral Plan?
1. Banking App:
- Sign into your Standard Bank App
- Tap on the blue add-on icon on the top-left corner
- Search “Insurance” and click “Add”
- Navigate back to main menu and click on “Insurance” under add-on tab
- Select your policy to:
- Download policy documents
- Start claims process
- View cover amount, premiums and next debit order date
- View policy initiation and renewal date
- View insured members and beneficiaries
- View annual benefit increase
2. WhatsApp:
- Text “Hi” to +27 570 0291
- Select option 3 for Insurance
- Select option 1 for Insurance Servicing
- Select option 2 to:
- View your Flexible Funeral Plan
- Get documents
- View insured members and beneficiaries
3. Cellphone Banking:
- Dial *120*2345# and sign into your account
- Select option 8 to go to your Flexible Funeral Plan
- Select the policy you want to view
- Select option 1 to:
- View your Flexible Funeral Plan
- Get documents
- View insured members and beneficiaries
4. Standard Bank Insurance website:
- Sign in to the Standard Bank Insurance website
- Select Dashboard tab to:
- View policy details
- View beneficiaries and insured members
- View your debit order date
Learn more about funeral cover
Life, Car and Home Insurance
What you need to know about funeral cover
Funerals can be costly, and without the right funeral plan in place, you might leave your loved ones burdened with debt in the event of your death.
Life, Car and Home Insurance
Why do I need both funeral cover and life cover?
Nobody likes talking about death, much less planning for it, but having the proper financial arrangements in place is essential to ensure that those left behind don’t have to carry the financial burden of someone’s passing while grieving.
Life, Car and Home Insurance
Decoding your insurance policy
Life is full of surprises and unplanned for events, and having the right insurance can provide an essential safety net, but insurance documents and terminology can often feel complex or confusing because they are detailed legal documents about a vast array of potential future events.
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