Types of Funeral Cover | Cash or Benefits?

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Types of Funeral Cover: Cash Only or Cash & Services


Generally, one of the biggest decisions you need to make when applying for funeral cover is what benefits you require. There are many different types of funeral cover available. It’s important to know what type of funeral insurance you, your family or employees require.

Types Of Funeral Cover Explained

There are mostly three options when finding the best funeral cover, either you can get a cash payout only, cash payout with funeral benefits or funeral plan with living benefits. Some South-African funeral cover providers offer a great additional benefits. Having additional benefits can make planning the funeral more effective but will not always be required. You need to decide, do you want to plan the funeral yourself, or get some assistance. With providers like AVBOB, you can get a large sum of money and a funeral service.

This basically means that some providers can help you with basic arrangements like the use of the hearse, tents and chairs, coffin, tombstone etc. Some providers like Metropolitan have a different set of benefits that may not be directly linked to the funeral arrangements. Other providers like give you benefits to use while you are alive. They provide benefits like discounts, entertainment and other benefits you can use while you are alive.

Determine Your Needs

So at the end of the day, you need to determine if you want cash only or cash and benefits. The premiums may vary slightly depending on the services you need. Some people prefer to have a funeral plan that will just pay them the money, the prefer to make all the arrangements themselves and use the remaining money for anything they desire. Other people prefer funeral cover that handle the funeral plans in full.

So, whether you need a cash only plan, cash with services or even a funeral plan with living benefits, we can provide you or your employees with funeral cover quotes. We can provide you with the right type of funeral plan for your needs. Simply fill in our contact form, and we will call you right back. You can let our friendly consultant know what your needs are, and we will accommodate it.


Below are some indication of what some leading funeral cover providers offer what service. Please note that most providers have a wide range of funeral plans and will be able to accommodate most requirements.

  1. AVBOB Funeral Cover – Cash Benefits & Funeral Arrangements
  2. Metropolitan Funeral Cover – Cash Payout
  3. Discovery Funeral Plan – Cash Benefit & Living Benefits

So at the end of the day, it all depends on your exact needs. Finding the best funeral cover in South-Africa really is that easy


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