The Most Popular Funeral Plans in South Africa
ortFunerals in South Africa, in fact, funerals all over the world, are becoming more and more costly. That is why more and more people are investing in popular funeral plans. You should invest in a funeral plan well in advance. So when the inevitable does happen, and someone in your family dies, you can give them a dignified funeral. And that’s without borrowing money and getting into debt.
In this country, funeral plans are accessible to anyone over 18 years old. And there are many different popular funeral plan options available. You can cover just yourself or most of the members of your extended family – it’s up to you to decide. Most funeral plans also allow your family members to receive cover even after you die, as long as they carry on paying the premiums; some companies offer an entire year of free cover after the primary member dies.
Many Popular Funeral Plans Available
There are so many different options when it comes to arranging a funeral, and the final price depends on the choices you make. It is possible to have a decent funeral while keeping the costs down; similarly, if you would like to bid a final farewell with all the bells and whistles, then you must pay. It’s a good idea to shop around and get a few quotes before making a final decision. In that way, you can find a funeral plan that best suits your family. The most important thing to do is to ensure that the company you buy your policy from is a member of the Financial Services Board (FSB) that offers popular funeral plans.
What you need to pay for at a funeral:
- The coffin – the cost of the coffin varies widely depending on the type of material you choose, for example, whether you want rosewood or pine, the kind of handles, the style of lid, the size, etc.
- The transportation of the body to and from the funeral.
- Flowers and décor at the ceremony.
- The burial space or crematorium fees.
- The minister, priest, or celebrant.
- The death certificate.
- The tombstone.
- Food and drinks for after the service.
- The venue hire.
- The printing of order-of-service booklets.
Things to consider when taking out a funeral plan:
It’s important to find out whether you will be allowed to change any elements of your policy once it has already begun. You never know what life brings; you may get married or have more children, and it’s essential to know if you can make amendments to your cover.
Read the fine print and be sure you understand how exactly your premiums will change over the years. Will they increase as your age increases, or will they be capped?
Double-check that you have stipulated the correct beneficiary on your policy as nobody will be able to change it once you have passed away.
While it may seem difficult now to come up with the cash to contribute to one of the popular funeral plans, the alternative is not a welcome thought. Have you thought about what would happen if you don’t have the money for a proper burial and you had to opt for a pauper’s burial? There are currently many bodies piling up in mortuaries across South Africa because people cannot afford to pay for funerals. Invest just a little each month now, and you won’t have to face the same fate.
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