Freedom Life Funeral Cover
Frequently Asked Questions
Only if they are deemed to be your spouse for the purpose of the policy.
A spouse of the policyholder is someone who is:
- legally married to the policyholder, or
- able to prove, to the satisfaction of the insurer, that for at least six consecutive months, he or she has been the partner of the policyholder in a serious relationship akin to a monogamous marriage between 2 persons, or
- in a union recognised in terms of the Recognition of Customary Marriages Act.
|Covered||Minimum Entry age||Maximum Entry age||Maximum insured persons per policy|
|Policyholder||18 years||<65 years||1|
|Spouse||16 years||<65 years||1|
|Children||0 years||<21 years(students <26 years, disabled children whole of their life)||6|
|Stillbirth||28 weeks pregnant||0 years|
|Extended Family||0 years||<70 years||6|
The policy’s standard premium covers the policyholder, a spouse and up to 6 children. Up to 6 extended family members can then also be covered for an additional premium per person. Parents, grandparents, aunts & uncles, brothers & sisters, nieces & nephews as well as sons & daughters can be added to the policy schedule as extended family members, as long as they are younger than 70 when added to the policy. Contact our call centre on 0876 250 693 for assistance.
|Natural death – either from date of policy activation or from date added (for spouse, child and/or extended family added after activation)||6 months|
The claim must be lodged with the insurer within three months following the date of death, otherwise the claim will not be considered by the insurer and no benefits will be paid.
You can log a claim through the following channels:
- Call 0876 250 693
- WhatsApp 081 431 9740
- E-mail email@example.com
- Dial *120*1049#
- Visit www.freedomlife.co.za/claims
The claim process can be onerous. The insurer typically requires: A certified copy of the death certificate; A certified copy of the police report if it is an accidental death; A certified copy of the deceased’s ID; A certified copy of a BI-1663/BI-1680 or DHA-1663/DHA-1680 form (forms completed by the doctor on death); A certified copy of the claimant’s ID; and A a certified copy of a bank statement from the claimant.
We will let you know at least 30 days in advance if your premium is likely to increase.