Funeral Underwriting Plans & Terms

We do administration of Group Funeral policies for your Group Scheme, Funeral Parlour, Society, Churches, Employers (Compulsory Group Scheme) and other organizations. We have developed internal risk assessment tools and procedures to provide tailor-made underwriting solutions. We promise to pay out claims within 48 hours.

Top-Up Benefits

Inkomo Benefit

Grocery Plan

Graveside Plan

Catering Plan

SADC Repatriation

Local Repatriation

Underwriting Plans

Traditional Plan (Society Plan)

Caters for large extended families, covering 1 principal member plus up to 13 family members.

Coverage options	1+5 · 1+9 · 1+13
Maximum cover	R15,000 per policy
Waiting period	6 months for new members; waived for existing schemes underwritten by a Long-Term Insurance Company (subject to a 6–12 month claims ratio)
Terms	Covers relatives up to 74 years old — anyone older is charged as a single member.

Family Plan / Single Parent Plan

Main member, spouse, and up to 6 children under 21.

Maximum cover	Up to R40,000, depending on risk analysis
Age categories	18–64 · 65–74 · 75–84 · 85–94
Waiting period	6 months for members under 75; 12 months for members 75 and older
Terms	Maximum child benefit: R10,000 (ages 0–5) and R30,000 (ages 6–13), per the Long-Term Insurance Act.

Wider Child Plan

Voluntary cover for a financially dependent child aged 18 or younger who doesn't qualify as an eligible child.

Waiting period	6 months
Terms	Up to 4 wider children under one policy. 10% commission for intermediaries.

Single (Individual) Plan

Cover for the main member only.

Maximum cover	Up to R40,000
Age categories	18–64 · 65–74 · 75–84 · 85–94

Extended Family Members Plan

Cover for related extended family members.

Maximum cover	Up to R40,000 (cannot exceed the main member's cover)

Policy Management System

Technology-driven software to manage your client data efficiently.

Workflow integrations

Electronic documents

Cloud-based platform

Claim processing

Role-based access management

Business intelligence

Premium Collection Methods

Flexible collection options for group schemes, with or without underwriting through Kutuma.

EasyPay

Pay at supermarkets including Pick n Pay, Boxer, Ackermans, Game, PEP, Makro, Woolworths, Shoprite, Checkers, and Usave.

Pay@

Pay via supermarkets, Flash Spaza stores, and digital channels like Zapper and SnapScan.

Debit Orders (DebiCheck)

Automated debit order collection integrations.

Branch POS Devices

Card payment machines for funeral parlour offices.

Kutuma Debit Wallet

A specialised collection card wallet for members.