Liberty Funeral Cover

Liberty's funeral cover is sold as one product, the Liberty Funeral Plus Plan. The insurer is Liberty Group Limited, part of the Standard Bank Group. It also sells life cover and other products, but this page covers only the funeral plan.

The plan pays a cash lump sum. You choose the cover amount for each person, and the premium depends on the amounts, the number of people and their ages.

Liberty says people who are not blood relatives, such as a domestic worker or gardener, can be covered as extended family. That is not true of every provider, so it is worth knowing if you support people outside your immediate family.

• Liberty Group Limited (FSP 2409), part of the Standard Bank Group, is the insurer. (liberty.co.za)
• One Funeral Plus Plan can cover up to 32 people: cover R5 000 to R100 000 for the principal member and spouse, up to R80 000 for parents (to age 84) and up to R50 000 for extended family. (liberty.co.za)
• Natural death is covered after 6 months of payments; unnatural causes have no waiting period; suicide cover begins after 12 months; premiums are refunded if death by natural causes occurs in the waiting period. (liberty.co.za)
• Liberty commits to pay valid funeral claims within 48 hours of receiving all required documents. (liberty.co.za)
• Funeral claims can be submitted through Liberty's digital claims form (documents can be uploaded as you go and the claim finished later), or by calling +27 860 456 789 or +27 11 558 4871. (liberty.co.za)
• Premiums increase automatically (currently at 3%) to maintain your benefit. (liberty.co.za)
• People who are not blood relatives, such as a domestic worker or gardener, can be covered as extended family. (liberty.co.za)
• There is a 31-day cooling-off period. (liberty.co.za)

Plans as Liberty 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 Liberty lists:

• Liberty Funeral Plus Plan: Optional benefits at additional cost: Tombstone (R10 000 per insured person), Double Accident, Inkomo Cash (R10 000 lump sum), Cash Back Bonus (10% of premiums back every 5 years), Paid Up (no premiums from age 65, cover remains for life), value-added benefits (groceries, transport); standard premium skip benefit (skip a monthly premium once a year, accumulate up to 6).

Sources: liberty.co.za/funeral-cover.

On the Funeral Plus Plan you can insure:

Up to 32 people can be on one policy. Liberty's brochure limits children under 6 to R20 000, so the web table and the brochure differ slightly for young children. Ask Liberty to confirm the amount for each child in writing.

The law limits funeral cover per life for each insurer, and it counts all policies with that insurer together. If you already have funeral cover with Liberty, ask how a new plan adds to it. For relatives beyond your household, see funeral cover for extended family.

Liberty says natural death is covered after 6 months of payments. Unnatural causes, including accidents, have no waiting period. Suicide cover begins after 12 months. If a person dies of natural causes during the waiting period, the premiums are refunded.

The law caps the waiting period for a natural death at six months and allows none for an accidental death. It also says a new insurer may not impose a waiting period if you had a funeral policy with another insurer at least 31 days earlier, covering the same people, and you had finished that waiting period. Liberty says its own waiting period is waived when you switch from another insurer within 31 days and the previous waiting period was served. Have your old policy schedule ready.

Do not cancel your old policy until the new one is in force.

Liberty says premiums start from R40 a month. The figure carries an asterisk on its page, and the real price depends on the cover amount, the number of people and their ages. Ask for a quote for your family.

Premiums increase automatically, currently at 3%, to maintain your benefit. There is a 31-day cooling-off period. Under the regulator's rules you may cancel a new policy in that time if no benefit has been paid or claimed and no insured event has occurred.

Liberty lists optional extras at additional cost:

• Tombstone, R10 000 per insured person.
• Double Accident.
• Inkomo Cash, a R10 000 lump sum.
• Cash Back Bonus, which returns 10% of premiums every 5 years.
• Paid Up, with no premiums from age 65 and cover that remains for life.
• Value-added benefits such as groceries and transport.

A standard premium skip benefit lets you skip one monthly premium once a year, and you can accumulate up to 6. Check what each extra adds to the premium before you take it.

Checked on 30 September 2026 against Liberty's official website. Numbers change, so confirm on the linked page before you call. Liberty 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: liberty.co.za/contact-us.

Lodge a funeral claim on Liberty's digital claims form at liberty.co.za/how-to-claim, or call +27 860 456 789 or +27 11 558 4871. You can upload documents as you go and finish the claim later.

Liberty's public pages do not list the documents you need. The claim form shows them as you fill it in. Have the death certificate, the deceased's ID and the claimant's bank details ready, and ask Liberty to confirm the full list when you call.

Liberty commits to pay valid funeral claims within 48 hours of receiving all required documents. The regulator's rule is that an insurer must decide a funeral claim within two business days after it has every required document. Missing paperwork is the usual cause of delay. Our guide to how funeral cover payouts work explains each step.

Ask for the reason in writing. The main reasons funeral claims are declined are waiting periods, fraud and unpaid premiums, according to the industry body ASISA. An insurer may not turn down a funeral claim because you did not disclose something it never asked about before the policy started.

If you are not satisfied, complain to the National Financial Ombud on 0860 800 900 or at nfosa.co.za. It is free for the person complaining. The Ombud may dismiss a complaint if three years or more have passed since you knew, or should have known, that you had cause to complain, so do not wait.