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About AVBOB

AVBOB was established in 1918 in Bloemfontein. Since then, they have grown into a multi-Billion Rand mutual society. They have more than 2 million policyholders and insure around 6 million lives. This provider is currently among the top insurance companies in South-Africa. Just imagine, they have about 8000 staff members and more than 300 branches. This statistic alone should give you the peace of mind that they are not a fly by night operation.

AVBOB funeral cover offers many significant benefits. A notable advantage of using them for your burial policy is you can make use of AVBOB Funeral Services to arrange the funeral for you. If you use them to arrange the funeral, you can get up to R16 000* in free membership benefits. They understand the importance of a dignified burial and will take great care of you in a time of need.

One-Stop Solution

AVBOB offers an affordable, one-stop funeral insurance solution. You & your family can rest assured. They can deliver most funeral services in-house. They want to make things as comfortable as possible. With this provider, the policyholder will not just be a client. You are a stakeholder in the company. You can benefit from the profits made by AVBOB. This is known as a mutual society. They have given back more than 8 Billion Rand in exclusive bonuses in the last ten years.

AVBOB was voted one of the top 3 long term insurance companies by the Sunday Times. This award should give you the confidence that they are world-class. If you decide to use AVBOB Funeral Services, you can get a free basic funeral of up to R11 000*. The free basic funeral benefit is over and above the insured cash pay-out. You can minimize stress if they help you with the burial arrangements. Trying to find all the services needed for a funeral can be hard. This is just one of the many reasons why we always suggest this option.

AVBOB Bonuses 

They continually reward members for being part of their family. Because they are a mutual society, you can also share in future bonuses. They pay your bonus money into your own very own AVBOB reward account. Access to this account becomes available at the age of 65* or at death.

They regularly revise free member benefits and at their sole discretion, add or increase benefits over time. Since we opened our doors in 2012, we have seen significant increases in both free membership bonuses and policy benefits. We can confidently say they keep adding value over the years.

*Terms & Conditions Apply

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Reasons to Choose AVBOB

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You decide the cover amount you need for each person on your funeral plan. You can amend each person until you are 100% satisfied with your monthly premium. We will help you structure your policy over the phone. A frienfly agent will guide you through the process from start to finish. We want you to be 100% comfortable with  your policy and premium. Cover starts from just R37 p/m.

With AVBOB, you get many free funeral services if you use them to arrange the burial for you. You get a free basic funeral of up to R11 000* over and above your cash pay-out. Benefits include the use of a modern hearse, tents, grave site, transportation of deceased use of mortuary, etc. In total, you can get additional benefits of up to R16 000*.

With AVBOB, you get a 15% addition on the sum assured on the main life which, if needed, can be converted into a FREE six-month Retrenchment Benefit.

You get a upfront cash payment of R2 000 for initial expenses* – This is to help with some of the initial cost like traveling & airtime. This is over and above your insured cash payout. This is a very handy benefit if you do not have access to money right away. AVBOB understands the importance of getting money to you as quickly as they can.

Your pay-out will automatically double in the event of accidental death. There are no waiting periods for accidental death. Insured lives will receive accidental death cover from the first premium. Unfortunately, accidents can happen to any person at any time. Its important to make sure that you have cover in place at all times.

You can cover as many of your own children as you want. You only pay for the first child, the rest will be covered FREE! This benefit is for children below the age of 18. If a child is older than 18, you can still get cover for them, however, it will be under a seperate benefit (extended family member).

Get a full years’ premiums back every 5 claim years you don’t claim.

Once all the claim documents are submit, payouts occur within 48 hours.

Regardless of your health status, your acceptance is guaranteed. No health questions or blood tests are required to join for funeral insurance. Most providers will give you the benefit of the doubt. This is one of the reasons why there is a 6 month waiting period for natural causes of death.

AVBOB clients who make use of them to arrange the funeral get free use of a modern hearse, tents & chairs at the grave site.

Policy holders can choose to let AVBOB arrange the funeral, or just take the cash. This is very convenient and a super effective way to conduct the burial. There are a lot of extra benefits if you use them to arrange everything for you. We always ask our clients to strongly consider taking this option. This is decided when there is a claim; it comes standard with most policies.

Get FREE transportation of the deceased anywhere in South Africa. This benefit is great if you have a specific place where you want to conduct the funeral.

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Free & Optional AVBOB Benefits

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Free Funeral Up to R10 000*

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Double Accidental Death Cover

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Retrenchment Benefit

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Free Benefits up to R16 000*

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Custom Catering (Inkomo)

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Fresh Flowers

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Use of Modern Hearse

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Use of AVBOB Mortuary

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Double pay-out for accidental death*

Pay only for one child; the rest are free*

Claims paid within 48 hours*

Free benefits available to all insured lives

Cashback after five years*

R2000 Cash upfront*

Registration of Death at Home Affairs

A personalized nameplate on the coffin

Flower arrangement on the casket

Local phone calls to family and friends

Use of a tent and chairs at the gravesite

Use of lowering device at the grave

Cover from R5 000 up to R50 000 p/m.

AVBOB guarantees your acceptance.

No medical examinations or questions.

A Free basic funeral included up to R11 000*.

Transportation of the deceased anywhere in SA.

Use of the AVBOB mortuary.

Funeral arrangements (free and optional).

No waiting period for accidental death.

6 Month waiting period only for natural causes.

Free Retrenchment benefit*.

Use of artificial grass around the gravesite.

Use of modern hearse.

AVBOB Funeral Cover Explained

Free Policy Benefits*

With AVBOB funeral cover, you receive many free membership benefits. The benefits have all been designed to make the process as smooth as possible. When you use them for the burial, you can rest assured that they cover everything. In most cases, it makes sense to let them take care of everything for you. Not only do you qualify for a lot of additional benefits, but you also get time to focus on more important things. The free benefits cannot be converted to extra cash.

In a Nutshell

AVBOB funeral cover is more than just an affordable funeral policy. It’s a very comprehensive funeral plan. funeral plan. It serves as a cash policy only, or cash & funeral service. If you decide to make use of AVBOB funeral services, they can arrange everything from under one roof. With the AVBOB funeral plan, you know you get a well-established provider. They will offer you as much help as possible. We received the award for top AVBOB broker in SA from 2012 to 2017.

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Affordable Funeral Cover starting from as little as R37p/m. That’s Less than R1.25c per day.

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Additional AVBOB Benefits

AVBOB offers almost every product or service you can imagine. You can get everything from catering to a tombstone. Below are some of the other services provided by AVBOB. It’s important to understand that the easier it is to arrange the memorial, the less stressful it will be. Just click on the button to see more information.

Additional Benefits

Conduct funerals over weekends to policy holders.
Arrangement for catering at home or church.
Arrangement for fresh flowers at the church.
Arrangement for  chairs at the grave site or church.
Arrangement for family cars.
Placement of funeral notice in your local newspaper.
Arrangement for additional house tent.
Arrangement for grave / cremation fees.
Arrangement for modern  hearse.
Tombstone erected on the day of the funeral.

AVBOB Funeral Products

SABS approved coffin manufactured in-house.
Metal caskets are available in various colours.
Specialised flower types and colours when designing the wreaths.
Multicultural products are available to suit all cultures.
AVBOB one of South Africa’s leading tombstone manufacturers.

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Frequently Asked Questions

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Why Should I Get AVBOB Funeral Cover?

Arranging a funeral can be very hard. With AVBOB, you can rest assured that you or your family will be taking care of. With AVBOB funeral cover, you know you can get funeral services over and above your cash pay-out. You get more than just a funeral plan; you get a quality service. They have more than 100 years’ experience. They are a brand that cares about the community and will have your best interests at heart

Going the Extra Mile

They always go the extra mile to ensure that you or an insured family member gets the best funeral. With more than 100 years’ experience, AVBOB funeral plans are tailor-made to fit your needs. With an easy signing up process, you can get your AVBOB plan today. Just complete the necessary form and we will get in touch as soon as possible. Sign up to AVBOB funeral cover today.

Policy Benefits in Short

We have a blog post that summarizes the provider & products. We have to view the article “AVBOB Funeral Cover Synopsis” click on the link. This is not purely based on the policy description. We have combined some information solely based on our own experiences. We trust that AVBOB funeral cover is one of the best funeral policies in SA. Feel free to read up as much as possible.

Who Can I Cover?

Some folks in SA look after many family members. This understanding is why AVBOB funeral cover allows you to add extended family. Firstly, you can cover your direct family. Direct family means your spouse, children & parents. You can also cover up to 6 family members. This includes siblings, uncles, aunts, grandparents, etc. Read More

They want to make sure that you can cover almost any dependent. You can chop and change the coverage amount for each person individually. This type of control helps you to manage the monthly payment. Remember, you pay for just one qualifying child on this policy, the rest of your kids are covered for free. Keep in mind, this benefit is only for your own children.

What is the Cash Back Benefit?

We all agree that sooner or later, we feel robbed by insurance premiums. If you don’t claim for 60 consecutive months, you will be eligible to receive 1 year’s premiums back in cash. AVBOB will pay back one year’s premiums every 60 months directly to you. AVBOB offers an innovative solution to insurance premiums.

This pay-out can be used for anything you desire. This astonishing option is available at no extra cost to you, the valued customer. This bonus is one of the many ways they thank you for your loyalty. For More Info about AVBOB, Click Here.

How are policy Premiums Calculated?

Firstly, every funeral policy is unique. AVBOB calculates premiums according to a couple of things. The ages of the insured lives are essential. The older you are, the more expensive the cover will become. A standard policy can cover applicants up to 76 years old. After that, an elderly policy will be relevant with a fixed monthly premium.

The second thing will be the cover amount. The more cover you need, the more it will cost. The amount can be different for each member of the policy. For example, the primary life can be covered for R50 000 while other members get cover for R10 000.

The last thing will be your relationship with the person. It’s cheaper to cover your spouse than what it is to cover your uncle. Each person will be quoted separately. At the end of the quote, all the premiums are joined into one single monthly premium.

Cover starts from just R37 per month. The maximum amount of cover a person can get is R50 000.

Is This a Cash Only Policy?

The short answer to this question is no. When it comes to claiming stages, the person arranging the burial can decide. With AVBOB, you can either take the insured amount only. Alternatively, you can have them arrange the funeral on your behalf. We always suggest that you look into using them to arrange the funeral for you. If you do not make use of AVBOB Funeral Services, you forfeit a lot of the free membership benefits. The complimentary benefits of up to R16 000* cannot be converted into additional cash.

They can provide almost all the services you require in-house. They understand the business and know exactly how to arrange a gracious funeral. As a matter of fact, they buried an international hero, Former President Nelson Mandela. The beneficiary will decide what services AVBOB must take care of. All money that remains after all the arrangements will still be paid to the family.

Using AVBOB for Burial Services

If you decide to use them for the burial services, you will get a massive amount of free benefits. They offer free services up to R16 000*. The free benefits include items like a specified coffin & hearse. It also contains lots of the required funeral services. If you are confident that you can arrange the burial without any assistance, you can opt for the insured amount only.

The money can then be spent using your chosen providers. In most cases, it will be better to use AVBOB from start to finish. Remember, to qualify for the free services, AVBOB must arrange the burial. If they don’t, you forfeit the free benefits, and it can’t be converted to additional cash.

Do I Have to go for Medicals?

With funeral insurance, there are no medical examinations required. You do not even have to answer any medical questions. Providers give applicants the benefit of the doubt. The above is one of the reasons why there is a six waiting period applicable to natural causes. They want to prevent terminally ill clients from joining a policy at the last minute.

Waiting Period Explained

There will be a six month waiting period for any natural causes of death. The former is to ensure that people don’t take out protection on their death beds. The funeral policy has a built-in accidental death cover. If an insured person passes away from an accident, the payout will double. Accidental death will be covered from the first premium.

How Quickly are Claims Settled?

Most funeral policies will pay claims within 48 hours. AVBOB will always strive to settle claims within this period. In most cases, it will be sooner. It is essential to submit all the required documents as soon as possible to prevent any delays. Your co-operation will help speed up the claims process. They know the importance of paying claims quickly. They will always do their best to get it done as fast as possible. Read More Here

What is the Retrenchment Benefit?

A 15% addition on the sum assured on the primary life which, if needed, can be converted into a FREE six-month retrenchment benefit*. This benefit will activate after two years.

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