Funeral Cover Policy

My Choice range of funeral plans allow you and your family to choose the funeral plan you need and can afford. We offer a range of meaningful benefits to suit you and your family’s specific needs. My Choice range of funeral plans offer cover up to R60 000. Anyone between the ages of 18 and 64 can take up a product from the My Choice range of funeral plans. The maximum age of entry is 74 years on the Sanlam Traditional Funeral Plan. What's more, we give you cash back every three years. Benefits and features offered Did you know? Accidental death cover starts from the day after the policy is accepted. This could even be before you pay your first premium. More benefits and features offered Sanlam offers 2 ranges to cover your family: My Choice Funeral range benefit summary Funeral Cover Premium Paid-up Burial Repatriation Benefit Unemployment and Pregnancy Payment Holiday Escalations Temporary Premium Support Benefit – Death No More Premiums Benefit – Death No More Premiums Benefit – Defined Physical Impairment Double Accident Benefit No More Premiums Benefit – Retirement No More Premiums Benefit – Retrenchment Memorial Benefit Grocery Benefit Cash Back Benefit Savings Benefit Optional My Choice Family Funeral range benefit summary Funeral Cover Premium Paid-up Burial Repatriation Benefit Unemployment and Pregnancy Payment Holiday Escalations Temporary Premium Support Benefit – Death No More Premiums Benefit – Death No More Premiums Benefit – Defined Physical Impairment Double Accident Benefit Loyalty Benefitl Savings Benefit Optional OR What benefits does the Masterplan offer? COMPULSORY BENEFITS • Funeral Cover: if the principal life assured dies, this benefit pays out the funeral cover amount including escalations. • Double Accident Benefit: if the principal life assured dies as a result of an accident, this benefit will pay out an amount equal to the chosen funeral cover in addition to the funeral cover. • Savings Benefit: this benefit gets paid out at the end of the chosen policy term, which is the same term as the Funeral Cover. The compulsory monthly Savings Benefit premium is R25 and is already included in the total monthly premium. At the end of the policy term, the total sum guaranteed to be paid out will not be less than the total of the premiums paid over the saving term less allocation charges, as long as no changes have been made to the Savings Benefit. There is a top up option for the compulsory monthly Savings Benefit called the Additional Savings Benefit. This allows the savings premium to be increased in units of R10. What if the saved money is needed before the end of the policy term? • There is an option to cancel the policy at any time and not pay any penalties but there is a small administration fee. This means if the Savings Benefit is surrendered, the funeral cover also must be cancelled. • Cash withdrawals can be made from the savings, but this will affect the total money due at the end of the policy term. AUTOMATICALLY ADDED BENEFITS • Burial Repatriation Benefit: • All lives assured • Repatriation of the deceased’s body • Transportation arrangements for one person who is accompanying the deceased’s body to the nearest funeral home of choice closest to the place of burial • Accommodation for a maximum of one night for one person travelling with the deceased’s body • Legal assistance regarding the funeral procedures e.g. death certificate, removal of body, etc • Assistance with funeral or cremation arrangements • Assistance with getting a death certificate • Referrals to a pathologist, psychologist, psychiatrist or special counselling, if required (particularly with the loss of a child). OPTIONAL ADD-ON BENEFITS • Funeral Cover: this policy gives the options to also cover the principal life assured’s: • Immediate family – This is the spouse of the principal life assured and a maximum of 5 children; • Wider family – these are grandparents, grandchildren, aunts, uncles, nephews, brothers, etc; • Parents – biological or legal guardians and parents-in-law. • Defined Debility Cover: this benefit pays out a percentage of the total cover amount if the principal life assured or their spouse, if covered for this benefit, becomes disabled. The amount paid depends on the seriousness of the debility. • Escalations: this benefit makes sure that all policy benefits remain valuable in the future. At the beginning of the policy, there is an option to have your monthly premiums and cover increased at the end of every policy year What are the qualifying periods? A period during which, if the insured event happens and you submit and claim, it will not be paid. This period starts when cover starts. There is a: • 6 month qualifying period on Funeral Cover (natural death) – principal life assured and immediate family (spouse and children); • 6 month qualifying period on Defined Debility Cover; • 9 month qualifying period on Funeral Cover (natural death) – wider family; • 9 month qualifying period on Funeral Cover (natural death) – parents; and • 24 month qualifying period for suicide. There is no qualifying period on the: • Double Accident Benefit if death is caused by an accident • Burial Repatriation Benefit • Funeral Cover if death is caused by an accident.

Saving money for those important things in life is something we should all think about doing. Let us help you make the right choice.

DIY Do your extended family’s quote immediately! OR Let us advise you about the best cover option for your unique circumstances

DIY Do your family’s quote immediately! OR Let us advise you about the best cover option for your unique circumstances:

Family_anchor

FOR THE FAMILY
FOR THE EMPLOYEE

employee_anchor

Do you have people working for you? Do you worry about their future and how they will cope when they are faced with illness or death? And what if they need to relocate? Would you be in a position to help them move? Do you worry about them saving? Chances are that you are looking for a solution to protect your employee’s family and perhaps your employees’ well-being and standard of living.

DIY Do your employee’s quote immediately!

Let me advise you about the best cover option for your unique circumstances

Getting your money paid out quickly matters

my choice funeral range

Funeral Cover Provides funeral cover for you, your spouse, your children, parents and wider family.

Burial Repatriation Benefit Provides transport for the deceased and offers additional benefits relating to the funeral.

Double Accident Benefit Pays an amount equal to the Funeral Cover amount if anyone covered on the policy dies as a result of an accident. No qualifying period

Grocery Benefit Pays R1 000 towards living expenses for 6 months if you or your spouse dies.

Cash Back Benefit / Loyalty Benefit Rewards you every three years for keeping your policy active.

Escalations Your premium and cover will increase every year to help keep up with the rising costs of living. The cover will increase based on premium increase chosen.

Unemployment and Pregnancy Payment Holiday Keeps your policy active for up to 12 months without paying premiums if you become pregnant or unemployed.

Premium Paid-up Pays premiums on your behalf when the life assured reaches a certain age.

Memorial Benefit Pays R10 000 to help you honour the memory of a loved one, for example a tombstone. This amount is paid with your funeral claim.

No More Premiums Benefit – Death

No More Premiums Benefit – Defined Physical Impairment

No More Premiums Benefit – Retirement

No More Premiums Benefit – Retrenchment

Your premiums will continue to be paid and all your loved ones who are covered by your funeral plan will still be covered. These benefits can be claimed on your death, physical impairment, retirement or retrenchment when certain conditions are met.

My Choice Funeral range provides individual cover for you, your spouse, your children, parents and wider family members, each paying a separate premium.

Funeral range Children covered for life You pay a minimum of R80 per month you can cover up to22 people on your policy

My Choice Family Funeral range offers cover for your family as a package.

Family funeral range Children covered up to age 25 You pay one premium for your family from R58 per month You can cover an unlimited number of children on your policy

That’s why there is an optional Savings Benefit with any of the My Choice Funeral range. You can save from R10 per month for 5 up to 15 years. Should you pass away before the term ends, the money will be paid out to the beneficiaries you have chosen.

Terms & Conditions

My Choice range of funeral plans allow you and your family to choose the funeral plan you need and can afford. We offer a range of meaningful benefits to suit you and your family’s specific needs. My Choice range of funeral plans offer cover up to R60 000. Anyone between the ages of 18 and 64 can take up a product from the My Choice range of funeral plans. The maximum age of entry is 74 years on the Sanlam Traditional Funeral Plan. What's more, we give you cash back every three years. Benefits & features offered: Sanlam offers two ranges to cover your family Do you have people working for you? Do you worry about their future and how they will cope when they are faced with illness or death? And what if they need to relocate? Would you be in a position to help them move? Do you worry about them saving? Chances are that you are looking for a solution to protect your employee’s family and perhaps your employees’ well-being and standard of living. What is the Masterplan? The Masterplan is a term policy which was designed to ensure that your employees will get comprehensive cover. The great thing about Sanlam’s Masterplan is that it is one plan with many solutions. With one monthly premium you can cover them against natural and accidental death, plus you have the opportunity to save. So, instead of having multiple policies with different goals, there is only one plan that provides all the solutions hoped for. Why the Masterplan from Sanlam? • It is an affordable policy that suits everyone’s pocket (individuals and business owners) • Flexible premiums and a range of add-on benefits to cover individual needs • All-in-one life insurance policy that combines monthly savings with risk benefits • Easy way to set up an investment. OR What benefits does the Masterplan offer? COMPULSORY BENEFITS Funeral Cover: if the principal life assured dies, this benefit pays out the funeral cover amount including escalations. Double Accident Benefit: if the principal life assured dies as a result of an accident, this benefit will pay out an amount equal to the chosen funeral cover in addition to the funeral cover. Savings Benefit: this benefit gets paid out at the end of the chosen policy term, which is the same term as the Funeral Cover. The compulsory monthly Savings Benefit premium is R25 and is already included in the total monthly premium. At the end of the policy term, the total sum guaranteed to be paid out will not be less than the total of the premiums paid over the saving term less allocation charges, as long as no changes have been made to the Savings Benefit. There is a top up option for the compulsory monthly Savings Benefit called the Additional Savings Benefit. This allows the savings premium to be increased in units of R10. What if the saved money is needed before the end of the policy term? • There is an option to cancel the policy at any time and not pay any penalties but there is a small administration fee. This means if the Savings Benefit is surrendered, the funeral cover also must be cancelled. • Cash withdrawals can be made from the savings, but this will affect the total money due at the end of the policy term. AUTOMATICALLY ADDED BENEFITS Burial Repatriation Benefit: • All lives assured • Repatriation of the deceased’s body • Transportation arrangements for one person who is accompanying the deceased’s body to the nearest funeral home of choice closest to the place of burial • Accommodation for a maximum of one night for one person travelling with the deceased’s body • Legal assistance regarding the funeral procedures e.g. death certificate, removal of body, etc • Assistance with funeral or cremation arrangements • Assistance with getting a death certificate • Referrals to a pathologist, psychologist, psychiatrist or special counselling, if required (particularly with the loss of a child). OPTIONAL ADD-ON BENEFITS Funeral Cover: this policy gives the options to also cover the principal life assured’s: • Immediate family – This is the spouse of the principal life assured and a maximum of 5 children; • Wider family – these are grandparents, grandchildren, aunts, uncles, nephews, brothers, etc; • Parents – biological or legal guardians and parents-in-law. Defined Debility Cover: this benefit pays out a percentage of the total cover amount if the principal life assured or their spouse, if covered for this benefit, becomes disabled. The amount paid depends on the seriousness of the debility. Escalations: this benefit makes sure that all policy benefits remain valuable in the future. At the beginning of the policy, there is an option to have your monthly premiums and cover increased at the end of every policy year What are the qualifying periods? A period during which, if the insured event happens and you submit and claim, it will not be paid. This period starts when cover starts. There is a: • 6 month qualifying period on Funeral Cover (natural death) – principal life assured and immediate family (spouse and children); • 6 month qualifying period on Defined Debility Cover; • 9 month qualifying period on Funeral Cover (natural death) – wider family; • 9 month qualifying period on Funeral Cover (natural death) – parents; and • 24 month qualifying period for suicide. There is no qualifying period on the: • Double Accident Benefit if death is caused by an accident • Burial Repatriation Benefit • Funeral Cover if death is caused by an accident.

DIY Do your extended family’s quote immediately! OR Let us advise you about the best cover option for your unique circumstances

DIY Do your family’s quote immediately! OR Let us advise you about the best cover option for your unique circumstances:

DIY Do your employee’s quote immediately!

Let me advise you about the best cover option for your unique circumstances

Terms & Conditions

My Choice range of funeral plans allow you and your family to choose the funeral plan you need and can afford. We offer a range of meaningful benefits to suit you and your family’s specific needs. My Choice range of funeral plans offer cover up to R60 000. Anyone between the ages of 18 and 64 can take up a product from the My Choice range of funeral plans. The maximum age of entry is 74 years on the Sanlam Traditional Funeral Plan. What's more, we give you cash back every three years. Benefits and features offered More benefits and features offered Sanlam offers 2 ranges to cover your family OR What benefits does the Masterplan offer? COMPULSORY BENEFITS • Funeral Cover: if the principal life assured dies, this benefit pays out the funeral cover amount ` including escalations. • Double Accident Benefit: if the principal life assured dies as a result of an accident, this benefit will pay out an amount equal to the chosen funeral cover in addition to the funeral cover. • Savings Benefit: this benefit gets paid out at the end of the chosen policy term, which is the same term as the Funeral Cover. The compulsory monthly Savings Benefit premium is R25 and is already included in the total monthly premium. At the end of the policy term, the total sum guaranteed to be paid out will not be less than the total of the premiums paid over the saving term less allocation charges, as long as no changes have been made to the Savings Benefit. There is a top up option for the compulsory monthly Savings Benefit called the Additional Savings Benefit. This allows the savings premium to be increased in units of R10. What if the saved money is needed before the end of the policy term? • There is an option to cancel the policy at any time and not pay any penalties but there is a small administration fee. This means if the Savings Benefit is surrendered, the funeral cover also must be cancelled. • Cash withdrawals can be made from the savings, but this will affect the total money due at the end of the policy term. AUTOMATICALLY ADDED BENEFITS • Burial Repatriation Benefit: • All lives assured • Repatriation of the deceased’s body • Transportation arrangements for one person who is accompanying the deceased’s body to the nearest funeral home of choice closest to the place of burial • Accommodation for a maximum of one night for one person travelling with the deceased’s body • Legal assistance regarding the funeral procedures e.g. death certificate, removal of body, etc • Assistance with funeral or cremation arrangements • Assistance with getting a death certificate • Referrals to a pathologist, psychologist, psychiatrist or special counselling, if required (particularly with the loss of a child). OPTIONAL ADD-ON BENEFITS • Funeral Cover: this policy gives the options to also cover the principal life assured’s: • Immediate family – This is the spouse of the principal life assured and a maximum of 5 children; • Wider family – these are grandparents, grandchildren, aunts, uncles, nephews, brothers, etc; • Parents – biological or legal guardians and parents-in-law. • Defined Debility Cover: this benefit pays out a percentage of the total cover amount if the principal life assured or their spouse, if covered for this benefit, becomes disabled. The amount paid depends on the seriousness of the debility. • Escalations: this benefit makes sure that all policy benefits remain valuable in the future. At the beginning of the policy, there is an option to have your monthly premiums and cover increased at the end of every policy year What are the qualifying periods? A period during which, if the insured event happens and you submit and claim, it will not be paid. This period starts when cover starts. There is a: • 6 month qualifying period on Funeral Cover (natural death) – principal life assured and immediate family (spouse and children); • 6 month qualifying period on Defined Debility Cover; • 9 month qualifying period on Funeral Cover (natural death) – wider family; • 9 month qualifying period on Funeral Cover (natural death) – parents; and • 24 month qualifying period for suicide. There is no qualifying period on the: • Double Accident Benefit if death is caused by an accident • Burial Repatriation Benefit • Funeral Cover if death is caused by an accident.