Rest easy with Funeral Cover for you and your family

• Waiting periods apply to all new policies
• Waiting periods apply when updating your existing policy to a higher cover and premium
• Waiting periods apply to newly added extended members to existing policies

• Natural death – 6 consecutive equal monthly premium deductions prior to death.
• Accidental Death – cover is immediate, subject to 1st months premium being received prior to death
• Suicide – 12 consecutive equal monthly premium deductions prior to death

• Natural death – 6 consecutive equal monthly premium deductions prior to death.
• Accidental Death – cover is immediate, subject to 1st months premium being received prior to death
• Suicide – 12 consecutive equal monthly premium deductions prior to death

This confirms that the insured is covered for the benefits above subject to receipt of full premiums and the terms and conditions etc. of the policy. Premiums will be deducted via debit order deduction.

Claims must be fully submitted within 180 days of death. Should death occur due to any pre-existing medical condition within the first 6 months prior to the inception date, claims can be declined. Should death occur due to suicide within the first 12 months prior to the inception date, claims can be declined. I acknowledge receipt of an original cope of my application. I know that I may cancel this policy within 31 days with no loss. I warrant that the particulars are given above, whether in my handwriting or not, are true and complete. I understand and agree that any misstatement in this application will invalidate any claim under this policy. I undertake to abide by the terms and conditions of the Product Specification Document of the underwriter, which is available on request.

No claim will be admitted in terms of this Policy if the event giving rise to the claim is caused directly or indirectly by or is in any way attributable to any of the following:

The willing participation by the Principal Insured or such other insured persons under this Policy, in any of the following: an act of war (whether war is declared or not); military action; Riot or unlawful strike; insurrection; civil commotion; usurpation of power; martial law; terrorism; and any usage of nuclear, chemical and biological weapons, device or agent.

Any act or deed by the Principal Insured deliberately committed in violation of any law as well as any other insured person under the Policy including but not limited to a minor child, where his/her parent and/or legal guardian knowingly allows such child to participate in any act which constitutes a violation of any law;

Self-inflicted injury or self-inflicted illness, whether intended or not, or voluntary exposure to danger or obvious risk of injury. Any injury or disease which is caused partly by the actions or omissions of the insured, but in conjunction with the action or omission of some other party of some other contributory factor, will fall outside the ambit of the above exclusion.