Understand your cover before joining.

An application is not active cover

A quotation, application, receipt or application approval does not on its own activate funeral insurance. Cover depends on the insurer’s formal acceptance and the applicable written policy terms.

Important policy terms to confirm

Before official policy schedules are issued or premiums are accepted for new cover, Ilonathemba must have confirmed written terms covering:

• Waiting periods for natural and accidental death.
• Premium grace periods, missed payments and reinstatement.
• The maximum number of extended family members.
• Whether benefits are paid in cash, funeral services, or a combination.
• Claims documentation and processing timelines.
• Exclusions, geographical restrictions and cancellation rights.
• The precise conditions of the three-year cashback benefit.
• The insurer, underwriting and applicable regulatory information.

These details are not established by the packages page. The system must not invent them. Request the current approved policy wording, disclosures and your individual schedule from our team.

Pricing clarification: Option 5

The published extended-member premium for ages 65–75 is R225.56 under Option 5, compared with R296.31 under Option 4. This discrepancy requires written confirmation. An estimate using that rate is provisional; it is not an offer of confirmed cover.

South African insurance information

Funeral insurance is subject to South Africa’s insurance regulatory framework. Official documents must identify the licensed insurer, authorised intermediary or administrator, applicable disclosures and complaints procedures according to the actual arrangement. Contact our team for the approved documents and escalation details.

Personal information and POPIA

The Business Management System must restrict staff access, retain meaningful audit logs and protect ID numbers and beneficiary records. Read our privacy information and contact the team about access or correction requests.