Assupol Funeral Cover

Assupol Life Ltd is a licensed life insurer. Its four funeral plans differ mainly in how you buy them and how much they cover:

• instantFuneral Plan: bought online, with maximum cover of R30 000.
• Absolute Advantage Funeral Plan: sold by telephone, with R75 000 cover on the singles, main life and spouse, main life and children, and family plans.
• Excellence Family Funeral Plan: sold face to face, with up to R100 000 for the policyholder, spouse and parents, and R75 000 for all other dependants.
• Cornerstone Pensioner Plan: built for pensioners; ask Assupol for its cover amount.

Entry ages, waiting periods and premiums for the first three are in the table below.

• Assupol says a valid funeral benefit is paid within 24 hours of receiving all claim documentation. (assupol.co.za)
• Death claims can be submitted online, downloaded and emailed to [email protected], or handed in at the nearest Assupol branch; an SMS confirms receipt. (assupol.co.za)
• Assupol's published starting premiums are R35 (instantFuneral), R42 (Absolute Advantage), R70 (Excellence Family) and R70 (Cornerstone Pensioner) a month. (assupol.co.za)
• Excellence Family plan: up to R100 000 for policyholder, spouse and parents, R75 000 for other dependants, unlimited family members, natural-death waiting period 6 months, accidental death cover immediate. (media.assupol.co.za)
• The Cornerstone Pensioner Plan has no age limit and needs no medical examination; premiums can be deducted directly from state grants. (assupol.co.za)
• The optional Cashback benefit pays money back every four years even if you claim, per the Absolute Advantage and Excellence Family comparison tables; the claims page says it is claimed after three or four years depending on the policy. (assupol.co.za)

Plans as Assupol describes them on its own website on 30 September 2026. Premiums depend on your age, the cover amount and who you add, so the published figures are examples, not quotes.

Extra benefits Assupol lists:

• instantFuneral Plan (online): Accidental Death, Assupol On-Call, Family Income, Premium Waivers, Cashback; optional On-Call Plus (instantGroceries).
• Absolute Advantage Funeral Plan (telephone): R5 000 instant accidental death cover until the policy starts; optional Family Income, Memorial, double payout on accidental death, guaranteed cash back every 4 years even if you claim, Premium Waivers, On-Call Plus, Health+.
• Excellence Family Funeral Plan (face-to-face): Premium Waiver - Death (no premiums for 5 years after your death), Assupol On-Call, R5 000 instant accidental death cover, stillborn and newborn (first 3 months) cover; optional Family Income, Memorial, double accidental payout, guaranteed cash back every 4 years, Paid-up benefit, On-Call Plus (R10 a month per life).

Sources: assupol.co.za/funeral-cover/instant-funeral, assupol.co.za/...ral-cover/absolute-advantage, assupol.co.za/funeral-cover/excellence-family.

Checked on 30 September 2026 against Assupol's official website. Numbers change, so confirm on the linked page before you call. Assupol will never ask you to pay a claim fee or send money to a new bank account; if a caller does, hang up and phone the official number.

Sources: assupol.co.za/contact-us, assupol.co.za/claims, media.assupol.co.za/...ssupol-funeral-cover_web.pdf.

The Cornerstone Pensioner Plan has no age limit and needs no medical examination. Premiums can be deducted directly from state grants, which suits people who are paid a grant. It starts from R70 a month; ask Assupol for the cover amount.

On Absolute Advantage, extended family members can be added up to the age of 79, and children must be under 21. Assupol's brochure premium tables list parents and parents-in-law up to age 84. On Excellence Family, cover for children lasts their whole life, not just until 21.

See also our page on funeral cover for pensioners if you are choosing for an older person.

On Absolute Advantage, Excellence Family and Cornerstone, natural death has a waiting period of 6 months from the policy's acceptance date. Accidental death is covered immediately.

The instantFuneral plan works differently. Policy benefits start on the 1st of next month, and an instant accidental death benefit starts immediately once your application succeeds. Assupol does not state a natural-death waiting period on that page, so ask before you buy. The Absolute Advantage and Excellence Family plans also give R5 000 of instant accidental death cover until the policy starts.

The law sets limits. A funeral policy may not impose a waiting period longer than six months for natural death, and none may apply to accidental death. You may also cancel a new policy within 31 days of receiving the policy information, if no benefit has been paid or claimed.

You can submit a death claim online, download the form and email it to [email protected], or hand it in at the nearest Assupol branch. An SMS confirms receipt. You can also call the claims line on 0861 235 664. Assupol's online claim asks for:

• The death claim form.
• The DHA 1663 notification of death.
• The death certificate.

These document names come from the upload form on Assupol's site rather than a written list, so ask the claims line whether you need anything else, such as identity documents or banking details.

Assupol says a valid funeral benefit is paid within 24 hours of receiving all claim documentation. If your plan has the optional Cashback benefit, the claims page says it is claimed after three or four years, depending on the policy.

ASISA, the industry body, says the main reasons funeral claims are declined are waiting periods, fraud and unpaid premiums. Ask Assupol for the reason in writing and check it against your policy.

An insurer may not turn down a funeral claim for non-disclosure of information it did not specifically ask for before the policy started. If you disagree, take it to the National Financial Ombud Scheme. The service is free. You can lodge a complaint at nfosa.co.za/submit-a-complaint/, call 0860 800 900, or email [email protected]. Trying Assupol first is sensible, but it is not a legal requirement. The Ombud can dismiss a complaint after three or more years.

Assupol suits families who want high cover, up to R100 000 on Excellence Family, and older people who need a plan with no age limit.

Premiums depend on age, cover and the people you insure, so ask for a written quote. Compare it with other providers on our compare funeral cover page.