Funeral plans quotes are so easy to come by today. All one needs is a cell-phone or internet connection, and with one quick google search you can get everything you need, or can you? Everyone knows how important funeral cover is as it saves one from having to deal with the burdens of having to pay for and organise a funeral in the time of grieving over the death of a loved one. Funeral plans in South Africa are especially important in lower income households and must, therefore, be considered.
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Let’s take a look at some of the frequently asked questions about funeral plans so that you know which plan is best for you when searching online for funeral plan quotes.
Knowing why you need a funeral plan can help you when looking for funeral plan quotes. Although death is not something we like to think about, the day someone in your family suddenly passes away due to an accident is a thought we all try to avoid. Funeral plans are implemented to help you plan for your future. By having a funeral plan, you can reduce the financial burden that the cost of a funeral may present.
Don’t know what funeral cover is? Read What Is Funeral Cover!
Funeral plan quotes help you to find a funeral cover that will pay a lump sum cash benefit upon the death of the insured person/s.
By getting a competitive funeral, plan quotes you’ll be able to see all the different benefits of different funeral cover providers. There are a lot of different funeral plans in South Africa, and the monthly premium for each will depend on the level of cover you choose. The number of family members on your policy, as well as the age of the main member, will all have an impact on the monthly premium funeral cover providers ask. You can get a quick quote from Assupol Funeral Cover for as little as R1.50 a day on their lowest funeral plan.
Depending on the type of funeral plan quotes you’re looking for, in most cases the answer is yes, provided the family members covered under the policy pay the funeral cover every month after your passing. Some funeral cover providers will offer your family additional cover on the plan and will give up to 12-months free cover after your passing. After the 12 months, any person can take over the payment of the monthly premiums.
You can add your family by taking out a family funeral benefit for a small additional premium; it’s often referred to as an extended family funeral cover. A family funeral plan benefit covers your spouse, children, and any other family members you choose to cover. One will also have the option to include one’s extended family members including parents and parents-in-laws.
Make sure you include this in your funeral plan quotes comparison as funeral plans in South Africa typically cease when you pass away. The extended cover will end when you pass away or when they pass away, whichever comes first. Cover for your children will end when you pass away, when they pass away, when they turn 21 or whichever comes first. The only other reason why your funeral plan will cease is when your monthly premiums are not up to date.
Depending on the funeral plan, the grace period will differ whereby the policyholder will have a certain amount of day grace periods that will range from 15 to 30 days. The policy can be paid up to date during this time. Should the policyholder miss this grace period, the policy will cease all cover.