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Funeral policies – All you need to know

Dealing with the loss of a family member is always a painful time. But expensive funeral arrangements that you didn’t plan for can make the grieving process so much harder. Here are some tips on how to choose a funeral policy that best suits your needs. Funeral insurance will allow you to mourn without worrying about extra costs that come with arranging a funeral.

How do I choose the right funeral cover?

Before making your decision, you first need to look at your needs and those of your family, both now and in the future. Think about how many people there are in your family and consider how much you can pay towards funeral cover, without cutting back too much on spending on other parts of your life. You then need to consider how much you will need to pay for the funeral and pay each month for the policy.

When should I take out a funeral policy?

The earlier you can afford one, the better. It is always better to be prepared for life’s unfortunate events.

How do I get the best out of my funeral plan for me and my loved ones?

Look at more than one funeral plan before you make a decision. Try to compare three or four funeral policies in terms of your family’s needs, the funeral provider reputation as well as the ability to pay claims before choosing the one that is the best for you.

If you have any difficulties making regular payments every month, contact your service provider and make the insurance provider aware of the problem. In most cases, an arrangement can bemade so that your funeral plan remains active.

By choosing a funeral policy based on your needs, you can make sure that you have benefits that will help you and your family. Some funeral policies offer extra benefits such as paying for the deceased’s body to be transported from the place of death to the place of burial. Some policies can also offer other benefits like unemployment and maternity benefits, which mean that if you lose your job or become pregnant, you can stop paying your premiums for a limited amount of time until you are back at work. Your funeral plan must suit your lifestyle and needs of your loved ones.

Make sure you keep your funeral policy records up-to-date. Information such as beneficiaries, contact details, and covered persons needs to be kept current to ensure claims are paid as fast as possible after a death.

It’s never been easier to get covered with icover from Sanlam. Simply get funeral cover online or give us a call on 0860 426 837.

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