Cover for the whole family
Insure yourself, your spouse, children, parents and extended family on one policy.
Everyday family protection
Funeral cover that helps your family say goodbye with dignity.
Cover from R25 000 to R100 000 per member, with one monthly premium for the whole family. Apply online and sign with an OTP in minutes.
What is covered
Practical cover for the funeral your family would want
Funeral costs arrive quickly. A lump-sum payout lets your family arrange the funeral without borrowing money or delaying arrangements.
One monthly premium
A single debit order covers everyone insured, with a premium you can see before you apply.
Accidental death from day one
Accidental death is covered immediately. Natural death is covered after a six-month waiting period.
Clear policy documents
Plain-language confirmation of what is covered, who is insured and what your family needs to claim.
Time to get it right
Add members later as your family grows, subject to the product rules and waiting periods.
Support when it matters
A named consultant helps your family through the claim instead of leaving them to navigate a call centre.
Premium estimate
See what cover could cost.
Choose the age of the oldest member you want to cover and a cover amount. The estimate updates instantly.
- Cover amounts from R25 000 to R100 000 per member
- Premium based on the oldest member covered
- R25 monthly administration fee included
Cover is available up to age 80 in this prototype. If the oldest member is older, contact us to discuss suitable options.
Estimate your premium
Indicative monthly premium for a single member. Final pricing is confirmed on your application.
Estimated monthly premium
R 335,00 per month
Illustrative pricing only. Includes the R25 monthly admin fee. Not a binding quotation.
Good to know
Waiting periods and eligibility
We would rather explain the terms now than surprise your family later.
Eligibility
- The policyholder must be 18 or older.
- Insured members can be added from birth to age 80.
- A valid South African ID or passport is required.
- The first premium must be collected before cover starts.
Waiting periods
- Accidental death: covered from day one.
- Natural death: covered after six months.
- Members added later: waiting period applies from the date added.
- Claims are subject to the final policy wording.
These terms are illustrative for the prototype. CoverRoot's approved policy wording will govern the live product.
FAQs
Questions families ask us
If your question is not here, call us or send an enquiry below.
Who can I cover on my policy?
You can cover yourself, a spouse or partner, children, parents, siblings and extended family. Each insured member has their own cover amount, and everyone is paid out on one policy.
How is my premium calculated?
The premium is based on the total cover on the policy and the age of the oldest member covered. The oldest member's age band sets the rate for the policy, plus the monthly administration fee.
Is there a waiting period?
Accidental death is covered from the first day. Natural death is covered after a six-month waiting period from the start of cover. The waiting period applies to new members added later too.
Do I need a medical examination?
This prototype does not ask for medical information. In a live product, CoverRoot will confirm any medical or health questions that apply to the cover you choose.
How do I claim?
In a live policy, you would contact CoverRoot and submit the required documents, such as the death certificate and ID. A claims consultant would guide the family through every step.
Can I change my cover later?
You can add members or change cover amounts by contacting CoverRoot. Any change is subject to the product rules and may affect your monthly premium.
Speak to us
Request a funeral cover call-back
Leave your details and we will help you choose cover amounts for each family member.
Prefer to apply now? Start the online application.