Affordable Funeral Cover for Your Whole Family
We believe every life deserves a dignified send-off. Ubuntu Life provides affordable funeral cover that protects your entire family, with fast claims and no hidden costs.
The Ubuntu Life Funeral Cover Promise
Ubuntu means "I am because we are." This ancient African philosophy guides everything we do. When you join Ubuntu Life, you're not just getting a policy—you're joining a community that cares.
Compassion First
We treat every family with the dignity and respect they deserve during difficult times.
Always Available
Our caring team is here 24/7, speaking your language and understanding your culture.
Fast When It Matters Most
In difficult times, waiting for money adds to the burden. That's why we process and pay claims within 48-72 hours — so your family can focus on what truly matters.
No Excuses
We don't look for reasons to deny claims. We look for ways to help your family.
Best Funeral Policy Features & Benefits
We've stripped away the complicated jargon and hidden fees. What you see is what you get—honest, affordable funeral cover that actually works.
Cover Your Whole Family
One affordable policy covers up to 18 family members — spouse, children, parents, in-laws, grandparents, siblings, and even extended family. No need for multiple policies.
48-72 Hour Claims
When tragedy strikes, we act fast. Claims are processed and paid within 48-72 hours after all claim documentation has been received. No waiting weeks or months for your money.
Digital First
Manage everything from our award-winning app. Check your policy, add members, view beneficiaries, and submit claims anytime, anywhere.
Extended Family
Cover your spouse, children, parents, in-laws, grandparents, aunts, uncles, and extended family. Up to 18 members on a single policy.
Custom Cover Amounts
Choose cover amounts up to R30,000 for the main member. Build the perfect plan that matches your family's unique needs and budget.
Human Support
Real people who understand and care. Our compassionate team speaks 11 languages and is here to guide you through every step.
No Medical Tests
Simple health questions only—no doctor visits, no blood tests, no invasive examinations. Getting covered is quick and easy.
Cash Lump Sum Payout
Receive your full cover amount as a cash payment within 48-72 hours. Use it however your family needs most.
Easy Mobile App
Manage your policy, add family members, and submit claims right from your phone. Everything at your fingertips.
Get Your Funeral Insurance in 4 Easy Steps
Protecting your family takes just a few minutes. No complicated paperwork, no confusing forms—just simple, straightforward coverage.
Choose Your Funeral Cover Plan
Pick the cover amount and benefits that fit your family size and monthly budget. From R60/month.
Quick Funeral Policy Sign-Up
Register online in just 5 minutes. Need help? Our friendly agents will walk you through it step by step.
Add Family Members to Your Cover
Include everyone you want covered—spouse, children, parents, in-laws, extended family members.
Your Funeral Insurance Is Active
Receive your policy documents instantly via email and app. Enjoy peace of mind from day one.
Ready to protect your family?
Start Your ApplicationAffordable Funeral Cover Plans & Pricing
Flexible plans designed for every South African family. No medical tests required. Cancel anytime.
Advanced Family
Basic cover for individuals and couples who want peace of mind without breaking the bank.
Advanced Pensioner
Funeral cover for pensioners aged 60–84 with flexible cover options and optional family add-ons.
Golden Care
Maximum cover for ultimate peace of mind. Protect your entire extended family with priority service.
All plans include no hidden fees and the right to cancel anytime. Premiums shown are starting prices and may vary based on age and cover amounts selected.
Call Us
Contact our claims team or submit via the app
Submit Funeral Cover Documents
Death certificate and ID documents
Funeral Cover Claim Verified
Our team reviews and approves
Money Paid
Funds transferred to your account
Fast Funeral Cover Claims Process
Losing a loved one is hard enough. The last thing you need is to fight with an insurance company. That's why we've made our claims process as simple and fast as possible.
Funeral Policy Benefits Included Free
We don't believe in basic coverage. Every Ubuntu Life policy includes valuable benefits designed to support your family when they need it most. No add-ons, no extra fees.
Immediate Accidental Funeral Cover
Your protection for accidental death starts the moment you sign up—no waiting period whatsoever
Funeral Cash Lump Sum Payout
Receive your full cover amount as a cash payment to use however your family needs most
24/7 Compassionate Support
Our caring multilingual team is available around the clock—when you call, a real person answers
Digital Funeral Policy Access
View policy details, add members, check payments, and manage everything through our mobile app
No Medical Exams Required
Just simple health questions—no doctor visits, no blood tests, no invasive medical examinations
Family-Wide Protection
One policy covers your whole family—spouse, children, parents, and extended family members all included
Funeral Cover Frequently Asked Questions
Here are answers to the questions we get asked most often. Can't find what you're looking for? Give us a call.
How quickly will my claim be paid?
We aim to process and pay all valid claims within 48-72 hours of receiving the required documents. In most cases, money is in your account within 2 business days.
How many family members can I cover?
You can cover up to 18 family members on a single policy, including your spouse, children, parents, in-laws, grandparents, and extended family like aunts, uncles, and cousins.
What cover amounts are available?
Our plans offer cover from R10,000 up to R30,000 per member. Choose the amount that best fits your family's needs and budget, starting from just R60 per month.
Do I need a medical exam to join?
No medical exams are required. We just ask a few simple health questions during sign-up. No doctor visits, no blood tests, no invasive examinations.
Is there a waiting period?
For accidental death, there's no waiting period—you're covered immediately. For natural causes, there's a standard 6-month waiting period. For suicide, a 12-month waiting period applies from the policy start date.
Can I cancel my policy anytime?
Absolutely. There are no lock-in periods or cancellation fees. You can cancel anytime you want, though we hope you'll stay with the Ubuntu Life family.
Still have questions?
Trusted Funeral Insurance Regulated by FSCA
Ubuntu Life is backed by strong financial partners and regulated by South Africa's financial authorities. Your policy is protected.
FSCA Regulated
Licensed by the Financial Sector Conduct Authority
FSP 46772
EAP Financial Services (Pty) Ltd
African Unity Life
Underwritten by FSP No. 8447
4.8 Star Rating
From 5,000+ verified reviews
Get the Best Funeral Cover in South Africa
Join over 60,000 South African families who trust Ubuntu Life with their peace of mind. Get covered in minutes with no medical tests required. Starting from just R60/month.